STAR ISO 8583 Message Format Guide 02 11 PDF

STAR ISO 8583 Message
Format Guide
February 2011
Version 3.3
© 2002-2011 FIRST DATA CORPORATION
All Rights Reserved.
Printed in U.S.A.
This document contains confidential and proprietary information of First

Data Corporation. You may not disclose, copy or use any portion of these
materials for any purpose without the express written consent of First
Data Corporation.
All trademarks, service marks, and trade names referenced in this

material are the property of their respective owners.
Periodic revisions to this manual are issued to reflect technical changes
and enhancements to the System, and to ensure that all information
contained herein remains current and accurate.
3
Revision Guide February 2011
Chapter Updated Description of Change
Chapter 1 Updated Introduction
Chapter 3 Updated tables:
■ Table 3.11: 0100/0101 Pre-authorization Request
■ Table 3.12: 0110 Pre-authorization Response
■ Table 3.13: 0120/0121 Pre-authorization Advice
■ Table 3.15: 0200/0201 Financial Transaction Request
■ Table 3.16: 0210 Financial Transaction Response
■ Table 3.17: 0220/021 Financial Transaction Advice
■ Table 3.33: 0420/0421 Acquirer Reversal Advice
Chapter 4 Updated elements:
■ DE 042 Card Acceptor/Merchant Identification Code
■ DE 125 Network Management Information/Tagged Issuer

Data
Chapter 9 Updated Table 9.1: Valid Response Codes
■ Added ‘A1’, ‘A2’ and ‘S7’
Chapter 11 Updated Table 11.9: Position 9-10: Terminal Type
Chapter 13 Updated Data Element 104: Transaction Description -

Interchange Group Identifier Values
STAR ISO 8583 MESSAGE FORMAT GUIDE

Confidential and proprietary to First Data February 2011
4
Table of Contents
Part 1: STAR ISO 8583 Message Format Guide 8
Chapter 1: Introduction 9
Chapter 2: Operational Considerations 10
Overview 10
Considerations 11
Chapter 3: Message Formats 22
Message Structure 22
Message Types 22
Repeated Messages 23
Pre-authorization Messages 23
Financial Transaction Messages 25
File Maintenance Messages 26
Card Activation Messages 29
Reversal Messages 29
Administrative “Error” Messages 32
Network Management Messages 33
Bit Maps and Data Elements 34
Message Layouts 35
Bit Number and ISO Field (Data Element) Name 35
Data Type 35
Requirements – Trnsmit / Recv 37
Notes 38
Pre-authorization Messages 39
0100/0101 Pre-authorization Request 39
0110 Pre-authorization Response 46
0120/0121 Pre-authorization Advice 53
0130 Pre-authorization Advice Response 60
Financial Transaction Messages 62
0200/0201 Financial Transaction Request 62
0210 Financial Transaction Response 70
0220/0221 Financial Transaction Advice 77
0230 Financial Transaction Advice Response 85
File Maintenance Messages 87
0300 Acquirer File Update Request (Negative File) SE/W
Platforms 87
0302 Card Issuer File Update Request (Negative File) 89
0310 Acquirer File Update Response (Negative File) SE/W
Platforms 90

5
0312 Card Issuer File Update Response (Negative File) 90

0322 Negative File Update Advice 92
0332 Negative File Update Advice Acknowledgement 93
0382 PIN Change Request 93
0392 PIN Change Reply 95
0382 PIN Offset File Update Request 96
0392 PIN Offset File Update Reply 98
0382 Card Activation Request 100
0392 Card Activation Reply 100
0384 PIN Change Advice - NE Platform 102
0394 PIN Change Advice Acknowledgement - NE
Platform 102
Reversal Messages 104
0420/0421 Acquirer Reversal Advice 104
0430 Acquirer Reversal Response 112
Administrative Messages 114
0620 Administrative Advice 114
Network Management Messages 115
0800 Network Management Request 115
0810 Network Management Response 116
Chapter 4: Data Element Definitions 117
STAR ISO 8583 Message Data Formats 117
Unsupported Data Elements 117
Data Elements 119
Part 2: Reference Material 216
Chapter 5: Data Element Index 217
Data Element by Alphabetical Element Description 217
Chapter 6: Format Options 223
ASCII/EBCDIC Table 223
Check Digit Calculation 235
Modulus 10 Check-Digit Routine 235
Example 235
Luhn Formula 236
Example 236
Chapter 7: Data Element 003: Processing Codes 237
ATM 237
Mandatory (Issuer/Acquirer) 237
Optional (Issuer/Acquirer) 238

6
Point of Sale 240

Mandatory (Card-Issuer Processor Only) 240
Mandatory (Acquirer Only) 243
Optional 243
Chapter 8: Data Element 018: Merchant Type 244
Merchant Type Codes - Numerical Order 244
Merchant Type Codes - Alphabetical Order 276
Chapter 9: Data Element 039: Response Codes 310
Chapter 10: Data Element 054: Additional Amounts 317
Overview 317
Account Balance Handling 318
Partial Amount Authorization 318
STAR SE/W Platform 318
STAR NE Platform 319
Pre-authorized Amount Completion 320
Account Type 320
Amount Type 321
Currency Code 323
Amount 324
Chapter 11: Data Element 058: National Point of Service 325
DE 058 - Position 1: Terminal Operation 325
DE 058 - Position 2: Customer Operation 325
DE 058 - Position 3: On/Off Premise 325
DE 058 - Position 4: Cardholder Present 326
DE 058 - Position 5: Card Present 326
DE 058 – Position 6: Device Card Retention 327
DE 058 – Position 7: Transaction Disposition 327
DE 058 – Position 8: Security Condition 328
DE 058 – Position 9-10: Terminal Type 329
Sample STAR ISO Acquirer P-58 Combinations 331
Chapter 12: Data Element 060: Advice/Reversal Reason Code 334
Reversal Reason 334
Advice Reason 335
Chapter 13: Data Element 104: Transaction Description - Interchange
Group Identifier Values 337
Chapter 14: Data Element 105: Large Private Data 343
POS Payment Transactions 343

7
Account List Inquiry 344

Account Balance Profile 346
Enhanced Balance on Receipt 349
Chapter 15: Data Element 121: Additional Data, Private Issuer 352
Statement Processing 352
0200 Message Statement Data Request 352
121Additional Data, Private Issuer – Statement Data
Request 352
0210 Statement Data Reply Message 353
121Additional Data, Private Issuer – Statement Data
Reply 353
DE 121 – Statement Data Fixed Segment (32 Bytes) 354
DE 121 Reply Fixed Segment (11 Bytes) 357
DE 121 Reply Detail Segment (31 Bytes) 358
DE 121 Reply Header Segment (72 Bytes) 359
DE 121 Reply Trailer Segment (72 Bytes) 359
Chapter 16: Country/Currency/State Codes 360
Country/Currency Code 360

8
Part 1: STAR ISO 8583 Message

Format Guide

Chapter 1 9
Introduction
This guide is intended for decision makers evaluating the STAR Network
transaction processing and the programmers and analysts who design,
implement, and support the system.
The STAR ISO 8583 Message Format Guide provides information for
processing online transactions using a standard ISO interface message
structure on all STAR processing platforms: Northeast (NE), Southeast (SE)
and West (W). It is the first book in the STAR ISO 8583 series, which consists
of the following manuals:
Manual Title Description
STAR ISO 8583 Message The STAR ISO 8583 Message Format Guide provides
Format Guide information for processing online transactions using a
standard ISO interface message structure on all STAR
processing platforms.
STAR ISO 8583 Gateway/ The STAR ISO 8583 Gateway/Product Interface Guide
Product Interface Guide provides additional processing information for
Gateway, Electronic Benefits Transfer, and STAR
Product processing.
STAR Platform Interface The STAR Platform Interface Guide is the technical
Guide interface to the STAR processing interface. Information
includes protocols, encryption standards and
telecommunications procedures. The information
presented is delineated by each STAR platform.
File Layouts Separate file layouts are variable by Platform and are
available on the STAR STATION® portal or upon
request.

Chapter 2 10
Operational Considerations
Overview
The STAR ISO 8583 message format presents many opportunities for
processing and reporting. Listed below are specific considerations for clients
who are unfamiliar with ISO message formats to review to determine how
STAR ISO 8583 use will impact their business process:
■ Transaction Amount ■ Currency Information
■ Merchant Type Code ■ Point of Service Information
■ Convenience Fees (Surcharge and ■ Response Codes

Rebate)
■ Location Information ■ Additional Amount Information
■ Network Identifiers ■ Merchant Authorized Transactions
■ Merchant Authorized Submissions ■ Matching POS Pre-authorization to

and Resubmissions Processing Financial Completions
■ Routebacks ■ Over/Under Dispense Reversals
■ Corrections/Cancellations ■ STAR ISO Message Handling
■ Repeat Transactions

Considerations
Transaction Amount
Fields DE 004 Amount, Transaction
DE 005 Amount, Settlement
DE 006 Amount, Cardholder Billing
Considerations ■ When a STAR cardholder is performing an ATM or POS transaction in

a currency of other than US dollars, and if the acquiring network
passes "multi-currency" fields in request messages, then DE 004 will
contain the transaction amount in the acquirer's currency, and will
contain the transaction amount in US dollars. Therefore, when both
DE 004 and DE 005 are present in the transaction, DE 005 will
contain the amount to be debited from or credited to the cardholder's
account. Processors should consider making both fields available on
the customer’s statement and reporting both amounts on internal/
settlement reports. Having both amounts available will aid in
resolving consumer questions relating to international transactions.
■ Because the STAR platform is settled in US dollars and currently all

STAR issuers are US-based issuers, DE 005 (Amount, Settlement)
and DE 006 (Amount, Cardholder Billing) for non-US dollar
transactions are always equal. When they are equal DE 006 is by
default suppressed.
■ For MasterCard transactions that include a currency conversion

assessment (CCA) fee, DE 005 contains the sum of the transaction
amount and the CCA. STAR issuers on the SE/W Platform have an
option to be passed DE 006 - which will contain the transaction
amount without the CCA fee. STAR issuers on all STAR platforms
receive (or have the option to receive) the CCA fee in DE 055. For
transactions involving CCA, the amount in DE 006 + DE 055 = DE
005.
■ When a cardholder of a non-US-based issuer uses a STAR ATM or POS

device, and the issuing network passes "multi-currency" fields in
response messages, then the STAR ISO acquirer may receive DE 006
(Amount, Cardholder Billing) in the response message. The STAR
terminal owner is not required to retain this field.
■ See also Chapter 16 in this manual and the STAR ISO 8583 Gateway/
Product Interface Guide for additional information.

Currency Information
Fields DE 009 Conversion Rate, Settlement
DE 010 Conversion Rate, Cardholder Billing
DE 016 Date, Conversion
DE 019 Acquiring Institution Country Code
DE 049 Currency Code, Transaction
DE 050 Currency Code, Settlement
DE 051 Currency Code, Cardholder Billing
DE 114 Country Code, Authorizing Agent
Considerations ■ All STAR terminal owners are within the US and settle in dollars;
therefore, the STAR Switch does not support currency conversion
between STAR Members.
■ Other networks to which a STAR network is connected (e.g., CIRRUS

and PLUS) support international transactions. Therefore, the currency
information can be valuable for participants of the international
networks.
For example, if a STAR cardholder used an ATM in Europe, the
STAR ISO request message would provide information about the
type of currency which was dispensed, the country in which the
terminal was located, the date of the currency conversion, and the
rate at which the currency was converted to US dollars. If the
cardholder later questioned the transaction, the issuing institution,
which retains the currency information, would be able to relay the
pertinent information to the cardholder.
■ The Acquirer Institution Country Code would be valuable to business/

marketing areas to determine where their customers are traveling to
outside of the US.
Merchant Type Code
Fields DE 018 Merchant Type
Considerations STAR ISO 8583 processing provides a field in the request message
which identifies the type of merchant. This field is particularly important
in Point of Service (POS) transactions when determining where
cardholders are purchasing goods and services. Armed with this
information, Card Issuers can determine appropriate authorization edits
by industry and assess where cards are being used.

Point of Service Information
Fields DE 022 Point-Of-Service Entry Mode
DE 025 Point-Of-Service Condition Code
DE 058 National Point-Of-Service Condition Code
Considerations ■ DE 022 must be present for all POS transactions, and is optional (but
recommended) for ATM transactions.
■ DE 058 must be present for all transactions.
■ Special transaction processing might also be necessary, depending

upon the content in these fields. For example, the Card-Issuer
Processor might want to perform special processing on a merchant
authorized resubmission transaction. The Card-Issuer Processor
might also use the terminal type code to determine what type of fees
(if any) are to be charged to the customer.
■ DE 025 Point-Of-Service Condition Code is optionally used/available

on the STAR SE/W platforms. It may only be sent/received to
supplement the information in DE 058. It may not be used without
DE 058. When DE 025 is sent to STAR issuers, it will generally contain
information that was received from other networks (e.g., Visa)
behind STAR‘s.

Convenience Fees (Surcharge and Rebate)
Fields DE 028 Amount, Transaction Fee
DE 029 Amount, Settlement Fee
Considerations ■ The STAR network allows surcharging or rebating of transactions by

terminal owners. The amount of the transaction must be reported
separately from the amount of any surcharge/rebate in the online
transaction.
■ Note that when STAR cardholders are performing transactions in a

non-US currency, and a surcharge is being assessed, the surcharge
amount in DE 028 will be in the acquirer's currency, and in DE 029 in
US currency. Therefore, when both DE 028 and DE 029 are present in
the request message, the issuer processor must use the amount from
DE 029 for posting the fee to the cardholder's account.
■ The Card-Issuer Processor has new options relating to the handling of

surcharge/rebates. First, the Card-Issuer Processor can now exclude
the surcharge/rebate amount when checking the cardholder limits
(thereby avoiding the problem of customers requesting their full limit
being denied for over-limit because the Acquirer Processor added a
surcharge). Secondly, the Card-Issuer Processor can report the
transaction amount separately from the surcharge/rebate amount on
the customer's statement.
Response Codes
Fields DE 039 Response Code
Considerations A Card-Issuer Processor must support a minimum set of response

codes. The remaining codes can be optionally supported by the
Card-Issuer Processor. STAR ISO Acquirer Processors must ensure they
map all of the response code values to existing terminal screens, or
have created new screens to support the codes. Acquirer Processors
that track response codes for reporting purposes must take into
account all response codes and make modifications where necessary.

Location Information
Fields DE 043 Card Acceptor Location
DE 048 Member Institution/Merchant Name
Considerations STAR ISO 8583 processing provides significantly more space for
location information than many other networks. STAR Acquirer
processors must populate both DE 043 and DE 048 in request
messages. STAR Issuer processors will be passed DE 043 and DE 048 in
all messages, thus enabling cardholder statements to list meaningful
location information. See Chapter 4 of this guide for additional
information.
Additional Amount Information
Fields DE 054 Additional Amounts
Considerations As STAR network transaction processing options continue to increase in

number, the usages of DE 054 likewise increase. See Chapter 4 and
Chapter 10 of this guide for additional details.
Network Identifiers
Fields DE 063 STAR Identification Data
Considerations ■ For transactions involving an acquiring or issuing network of other

than STAR, DE 063 is used to convey a three-position alphanumeric
acquirer or network "network ID" to identify the other network.
■ DE 063 is also used to carry pseudo terminal IDs, processor IDs, and
processing flags that are needed to support partial amount approvals.
■ Please see Chapter 4 of this guide and the STAR ISO Gateway /

Merchant Authorized Transactions
Considerations Merchants or Merchant Processors may authorize transactions on behalf

of the Card-Issuer Processor under two varying scenarios:
◆ Scenario 1: The Merchant Processor connection to the network is

unavailable and cannot receive an authorization or denial response
for a transaction (this is commonly referred to as “Merchant Store &
Forward”).
◆ Scenario 2: The Merchant or Merchant Processor receives a denial

from the Card-Issuer Processor for Insufficient Funds (response code
‘51’) or Exceeds Limit (response codes ‘61’, ‘65’), and chooses to
over-ride the denial from the Card-Issuer Processor and approve the
transaction for the customer.
Merchant Authorized Transactions, other than pre-authorized completion
transactions meeting the requirements in the Operating Rules, are at the
risk of the Merchant. The STAR Switch shall neither authorize nor decline
Merchant Authorized Transactions on behalf of the Processor. If the
Card-Issuer Processor is unavailable to authorize or decline a Merchant
Authorized Transaction, the Switch shall deny the transaction as “Issuer
Inoperative” to the Merchant or Merchant Processor.
Valid response codes for Resubmission of Merchant Authorized

Transactions Scenario #1 (Merchant Store & Forward)
Response Code Description

‘51’ Not Sufficient Funds
‘55’ Invalid/Incorrect PIN
‘61’
Exceeds Withdrawal Amount Limit
‘65’
Exceeds Withdrawal Frequency Limit
‘75’
Allowable PIN Tries Exceeded
‘76’
Key Sync Error
Valid response codes for Resubmission of Merchant Authorized

Transactions Scenario #2:
Response Code Description

‘51’ Not Sufficient Funds
‘61’ Exceeds Withdrawal Amount Limit
‘65’
Exceeds Withdrawal Frequency Limit

Merchant Authorized Submissions and Resubmissions Processing
Considerations ■ The initial submission of a Merchant Authorized Transaction is

referred to as an 'Original Submission'. Subsequent submissions of a
Merchant Authorized Transaction, following a denial of the Original
Submission, are referred to as a 'Resubmission'.
■ An Original Submission may be sent to the STAR Switch once, except

when it is denied by the STAR Switch for 'Issuer Inoperative'. Original
Submissions denied by the STAR Switch for 'Issuer Inoperative' may
be re-sent to the network Switch once every 30 minutes until an
approval or denial (other than Issuer Inoperative) is received.
■ Data Elements for submission and resubmission transactions:
DE 002 PAN (required if DE 035 is not provided)
DE 013 Local Date (date transaction occurred).
DE 022 Point of Service Entry Mode
◆ Set to ‘021’ on Submission (with Track and PIN)
◆ Set to ‘022’ on Resubmission (with Track and

without PIN)
◆ Set to ‘012’ on Resubmission (without Track and

without PIN)
DE 035 Track 2 Data on submissions (optional on

resubmissions)
DE 052 PIN Data on submissions (not present on

resubmissions)
DE 058 National Point of Service Condition Code

Merchant Authorized Submissions and Resubmissions Processing (cont.)
■ STAR ISO 8583 Acquirer Processors are required to transmit the PIN,
Track 2 Data and the Capture Date on the first submission of a
Merchant Authorized Transaction.
■ Resubmissions can be transmitted only one time during a 24-hour

period during a 12-day time frame.
■ In addition, the National Point of Service Condition Code must be

updated.
■ Position 7 should be set to 4 on all initial submission transactions. All

resubmissions should be set to 5.
■ All additional information contained in DE 058 should remain the

same throughout the Life of the Transaction.a
a. “Life of the Transaction” is defined as the initial request and response, as well as any
corrective processing associated with it such as a reversal.
Corrections/Cancellations
Considerations ■ Following receipt of a POS transaction, any correction or cancellation

of the amount of the transaction must be initiated by swiping the
magnetic stripe on the card and entering the PIN. The correction or
cancellation may be for all or part of the original transaction amount
and must be initiated within 24 hours of the original transaction.
■ STAR Acquirer Processors imposing a Convenience fee (surcharge) on

the original transaction must separate the surcharge amount in the
correction/cancellation transaction. The surcharge amount is
contained in Amount, Transaction Fee (DE 028).
Routebacks
Considerations A STAR processor will find multiple records for the same transaction
when the issuing and acquiring interfaces both belong to the same
processor and all transaction activity is reported in one User File. An
Acquirer Processor may choose to route their on-us activity to the STAR
Switch, which will route it back to the processor. Note: these
transactions will be fee billed twice: once for the acquirer transaction
and once for the issuer transaction.
Platform The STAR NE Platform does not support this option.

Distinction

Over/Under Dispense Reversals
Fields DE 095 Replacement Amounts
DE 056 Replacement, Additional Fees
Considerations ■ Over- and under-dispense reversals are supported via an 0420

message, not as an additional debit transaction.
■ DE 095 should be populated with the amount actually dispensed

(e.g., an amount greater or less than the original amount requested).
■ DE 095 should not be populated with amount equal to the original

amount in DE 004 or DE 005, because if the amount dispensed
equaled the amount requested, then reversal would have no net
effect.
■ Zero-dollar reversals (where the amount in DE 004 or DE 005 is zero)

are not permitted.
■ Transactions that include a MasterCard Currency Conversion

Assessment (CCA) fee and are reversed for an over- or
under-dispense, will include DE 056 to convey the replacement CCA
fee.
■ Please see Chapter 4 of this guide and the STAR ISO Gateway /

Matching POS Pre-authorization to Financial Completions
Fields DE 038 Authorization Identification Response
Considerations ■ For signature debit POS transactions, the following matching criteria
are recommended:
◆ DE 002 (or DE 035 or DE 045) – Primary Account Number (PAN)
◆ DE 038 – Authorization ID; DE 038 is provided by the Card Issuer in

the pre-authorization response and is returned in the financial
completion.
■ Additional matching criteria that can be used for secondary matching

include:
◆ DE 004 – Transaction Amount (+/- 20 –25%)
◆ DE 013 – Local Date
◆ DE 018 – Merchant Type (Merchant Category Code or SIC)
◆ DE 127 – Pre-authorization Key (assigned by Visa / MasterCard)
Platform The following criteria are recommended for matching PIN-based POS
Distinction pre-authorizations to completions on different STAR platforms.
■ On the STAR SE/W Platforms:
◆ DE 002 PAN (in completions) with PAN portion of DE 035 Track 2
◆ DE 011 – System Trace Audit Number
◆ DE 041 – Card Acceptor Terminal Identification
■ On the STAR NE Platform:
◆ DE 002 PAN (in completions) with PAN portion of DE 035 Track 2
◆ DE 011 – System Trace Audit Number
◆ DE 035 – Card Number
◆ DE 013 – Local Transaction Date
◆ DE 012 – Local Transaction Time
◆ DE 041 – Card Acceptor Terminal Identification

STAR ISO Message Handling
Considerations ■ Processors must be capable of handling any and all STAR ISO data
elements in a message.
Currently, a STAR ISO message can consist of any combination of
data elements 001 through 128. If, for some reason, you receive a
message that contains a data element that is not specified in the
STAR ISO 8583 technical specifications, the processor should be
able to accept the field. In addition, processors should edit to
ensure mandatory fields are present in all message types where
indicated and include privately required fields.
■ Issuers may not send fields in the response unless they are present in
the request message or defined in the 0110 or 0210 message
layouts.
Repeat Transactions
Platform ■ On the STAR SE/W platforms, if an acquirer is sending a repeat

Distinction message, fields and content must be the same between the original
and the repeat message (except for the message type identifier,
which increases by one). For example, a repeat message for a 0100
Pre-authorization Request could have a message type identifier of
0101.
■ If the STAR NE Platform receives a repeat transaction from an

Acquirer, the Switch will format this transaction into the original
message type. For example, a 0201 will be received by the STAR NE
Switch and formatted into a 0200.
■ If the STAR SE/W platform sends a 0220 or 0420 advice to an issuer

and does not receive a timely 0230 or 0430 acknowledgement, then
the same advice will be resent using a message type of 0221 or 0421
until an acknowledgement is received.

Chapter 3 22
Message Formats
Online communication of financial activity using the STAR ISO 8583 message
format takes place via highly structured messages that flow to and from the
STAR Switch. Processors, Issuers, and Acquirers must be prepared to send
and receive correctly-formatted STAR ISO 8583 messages to ensure smooth
online operations.
Message Structure
All messages in the STAR ISO 8583 processor interface consist of three
general components:
■ Message Type Identifier – a four-position numeric code beginning with
0, identifying the basic purpose of the message.
■ Bit Maps – a series of bits that indicate the presence or absence of
possible data elements in the individual message.
■ Data Elements – the bulk of the message, a collection of data items in
the order of the bit map representation.
The length of individual messages can vary depending on the number and
length of the data elements that they include.
Message Types
In the four-position Message Type ID code, the first two positions identify the
Message Class:
■ 01xx = Pre-authorization Messages
■ 02xx = Financial Transaction Messages
■ 03xx = File Maintenance Messages
■ 03xx = Card Activation Messages
■ 04xx = Reversal Messages
■ 06xx = Administrative “Error” Messages
■ 08xx = Network Management Messages

Repeated Messages
Whenever a repeat message is identified, the repeat message must be the

same as the original message, except for the Message Type identifier, which
increases by one. For example, the repeat of a 0100 Pre-authorization
Request message would have a Message Type identifier of 0101.
The STAR NE Platform does not support the indication of repeats in the
Message Type identifier. If the STAR NE Switch receives a repeat transaction
from an Acquirer, the transaction will be presented as the original Message
Type. For example, a 0201 received by the STAR NE Switch will be formatted
as a 0200.
Pre-authorization Messages
Disposition: Non-Financial
Pre-authorizations occur in both PIN-based and signature debit POS

transactions as the first part of a two-part POS transaction. A
pre-authorization is used to validate if the cardholder has sufficient funds for a
point-of-sale purchase. The transaction, produced at the time of the purchase,
represents the amount to hold on the cardholder account.
■ All issuing Point of Sale processors must certify this message type.
■ Optional for Point of Sale Acquirer Processors.
■ On the STAR SE/W Platforms, Acquirer Processors who do not receive a
0110 reply after 60 seconds may optionally generate a 0101 repeat
request transaction.
■ STAR Card-Issuer Processors must be able to accept both 0100 requests
and 0101 repeat request message types. Similarly, they must be able to
accept both 0120 and 0121 advice messages. The 0120/0121 advices will
be retransmitted to a Card-Issuer Processor once each minute until a
matching 0130 is received. If a Card-Issuer Processor is unavailable when
an 0120 is generated, the message will be saved and attempts at
transmission will begin when communications have been reestablished.
■ It is highly recommended that the STAR network’s interleaving option be
used to efficiently manage stand-in and advice notification. This feature
allows those processors that have developed a large store-and-forward
queue file the ability to intermingle received online with advice transaction
activity.

■ If a STAR processor receives invalid data element content in a

pre-authorization request or an advice message, then STAR processing will
deny the transaction in the 0110/0130 response message back to the
acquirer using Response Code 30 (format error) and will include the data
element number that is in error within DE 044.
■ If the Issuer receives invalid data element content in a pre-authorization
request message, then the Issuer should deny the transaction in the 0110
response message using Response Code 30 (format error) and should
include the data element number that is in error within DE 044. STAR
Issuers receiving invalid data element content in an advice message must
still acknowledge the message with a 0130 message with a Response Code
00 (approved).
■ If STAR processing receives a pre-authorization request or advice for
which it is unable to parse bit or byte maps or field lengths, then STAR
Networks will return a 0620 message to the acquirer.
■ STAR Issuers should only send a 0620 message in response to a 0100 or
0200 request if they are unable to parse the bit or byte maps or the field
lengths.
■ Similarly, STAR Acquirers should only send a 0620 message in response to
a 0110 or 0210 response if they are unable to parse the bit or byte maps
or the field lengths.
Table 3.1: Pre-authorization Message Types

Type ID Message Type Comments
0100 Pre-authorization Both PIN-based and signature debit transactions.

Request
0101 Repeat Pre-authorization STAR SE/W Platforms only.

Request
0110 Pre-authorization Reply To ensure appropriate matching criteria, DE 038,

Authorization ID is provided by the Issuer. This
information is provided in the inbound completion.
0120 Pre-authorization Advice
0121 Repeat Pre-authorization STAR SE/W Platforms only.

Advice
0130 Advice
Acknowledgement

Financial Transaction Messages
Disposition: Financial (Settled Transactions)
Financial transaction messages transport ATM and POS transactions

generated by cardholders using their access cards at terminals driven by an
Acquirer Processor connected to the STAR Switch.
■ Required for all ATM and POS Card-Issuer Processors.
request transaction.
■ STAR Card-Issuer Processors must be able to accept both 0200 requests
and 0201 repeat request message types. Similarly, they must be able to
accept both 0220 and 0221 advice messages. The 0220/0221 advices will
be retransmitted to a Card-Issuer Processor once each minute until a
a 0220 is generated, the message will be saved and attempts at
■ It is highly recommended that STAR's interleaving option be used to
efficiently manage stand-in and advice notification. This feature allows
those processors that have developed a large store-and-forward queue file
the ability to intermingle received online with advice transaction activity.
■ If STAR processing receives invalid data element content in a financial
request or advice message, then the STAR processor will deny the
transaction in the 0210/0230 response message back to the acquirer using
Response Code 30 (format error) and will include the data element number
that is in error within DE 044.
■ If the Issuer receives invalid data element content in a financial request
message then the Issuer should deny the transaction in the 0210 response
message using Response Code 30 (format error) and should include the
data element number that is in error within DE 044.
■ Issuers receiving invalid data element content in an advice message must
still acknowledge the message with a 0230 with a Response Code 00
(approved).
■ If STAR receives a financial request or advice for which it is unable to parse
bit or byte maps or field lengths, then STAR Network will return a 0620
message to the acquirer.
lengths.

■ Similarly, STAR Acquirers should only send a 0620 message in response to

a 0110 or 0210 response if they are unable to parse the bit or byte maps
or the field lengths.
Table 3.2: Financial Transaction Message Types

0200 Financial Request ■ ATM, POS, Point of Banking transactions.
■ Data Element DE 003 (Processing Code) defines the

type of financial requested.
0201 Repeat Financial STAR SE/W Platforms only.

Request
0210 Financial Reply
0220 Financial Advice ■ Forced post transaction by the merchant acquirer.
■ Stand-in financial transaction approved by the STAR

Switch.
0221 Repeat Financial Advice STAR SE/W Platforms only.
0230 Financial
Acknowledgement
File Maintenance Messages
Disposition: Administrative
The Negative File Maintenance message provides the Card-Issuer Processor

with the ability to maintain the STAR Negative File online. When
communication is lost between the Card-Issuer Processor and the STAR
Switch, the negative file is checked by the STAR Switch as part of the
authorization process in stand-in.
The PIN Change File Maintenance messages provides the Card-Issuer

Processor with the ability to send or receive PIN change and PIN offset
maintenance transactions online.

The STAR NE Platform provides an optional service to notify an Issuer online

when updates have been made to their card data. With this option, Issuers
can receive an 0302 or a 0322 and respond back with a 0312 or 0332 to
ensure that their own internal negative file is synchronized.
Note
The STAR Network’s use of the 0302 message that notifies
Issuers of updates to their card data on the STAR Negative
File is being replaced with the 0322/0332 advice messages.
Please notify your Relationship Manager if you are still
receiving the 0302 messages for the STAR Negative File
Updates and would prefer to receive the 0322 message.
STAR SE/W Platforms can optionally generate an 0300 file update request.
This message is intended to inform the Card Issuer that a cardholder PAN with
a negative status has been added to the institution’s processor’s switch
negative file that is used in stand-in and added to the debit services
(MasterCard Visa Check) Hot Card Status file.
Table 3.3: File Maintenance Message Types

0300 Acquirer File Update ■ Normally, an Issuer-initiated request.

Request
■ STAR SE/W provides a negative file notification
service out to Issuers for any card statused by an
internal staff member. In this case, a 0300 would be
sent to the Issuer.
0302 Negative File Update ■ Normally, an Issuer-initiated request.

Request
■ STAR NE provides an optional negative file
notification service out to Issuers for any card
statused by any user or application other than the
client’s or client’s initiated maintenance. Examples
would include an internal STAR staff member or CV
Denial functions. In this case, a 0302 would be sent
to the Issuer.
■ The STAR Network’s use of the 0302 message that

notifies Issuers of updates to their card data on the
STAR Negative File is being replaced with the 0322/
0332 advice messages. Please notify your
Relationship Manager if you are still receiving the
0302 messages for the STAR Negative File Updates
and would prefer to receive the 0322 message.

Table 3.3: File Maintenance Message Types (cont.)

0310 Acquirer File Update ■ Normally, a STAR processor response to the Issuer.
Response
■ STAR SE/W provides a negative file notification
service out to Issuers for any card statused by an
internal staff member. In this case, a 0310 would be
sent to STAR from the Issuer.
0312 Negative File Update ■ Normally, a STAR processor response to the Issuer.
Reply
■ STAR NE platform provides a negative file
statused by an internal staff member. In this case, a
0312 would be sent to STAR from the Issuer.
0322 Negative File Update ■ A STAR processing response to the Issuer.

Advice
■ STAR NE provides an optional negative file
to the Issuer from STAR.
■ The STAR Network’s use of the 0302 message that

notifies Issuers of updates to their card data on the
STAR Negative File is being replaced with the 0322/
0332 advice messages. Please notify your
Relationship Manager if you are still receiving the
0302 messages for the STAR Negative File Updates
and would prefer to receive the 0322 message.
0332 Negative File Update ■ Normally, a STAR processor response to the Issuer.
Advice
Acknowledgement ■ STAR NE provides an optional negative file
to STAR from the Issuer.
0382 PIN Change Request A STAR processing initiated request.
0392 PIN Change Reply An Issuer response to a STAR initiated PIN change
request.
0382 PIN Offset File Update An Issuer initiated request.

Request

Table 3.3: File Maintenance Message Types (cont.)

0384 PIN Change Advice STAR NE: An advice notifying a cooperative processing
Issuer that a PIN change transaction was performed
and authorized on the STAR Switch. The message
contains the Cardholder’s new PIN offset.
0392 PIN Offset File Update A STAR processing response to the Issuer.
Reply
0394 PIN Change Advice STAR NE: An issuer acknowledgement of a STAR

Acknowledgement initiated PIN change advice.
Card Activation Messages
Disposition: CMA Card Activation
The STAR NE Platform provides an optional online service to notify an Issuer

whenever a card has been activated. Once an Issuer establishes the option to
receive a Card Activation Notification message, whenever a card has been
activated through a pinned transaction (ATM or POS), VRU Activation,
Cardholder Maintenance File (CMF), or STAR STATION CMA Activation entry,
CMA will forward a 382 Card Activation Notification message to the Issuer.
Because these message types are exclusively for Card Activation purposes,
their layouts and further information are detailed in Chapter 4 of the STAR
ISO 8583 Gateway/Product Interface Guide.
Reversal Messages
Disposition: Financial or Non-financial (reflecting the original

transaction)
A reversal is an electronic message, generated by the Acquirer or the STAR

Switch, that serves to cancel all or part of a previously authorized STAR
transaction. A reversal may not be processed as instructed for the reasons
listed below:
■ The message cannot be delivered.
■ The message cannot be processed.
■ The message has been cancelled by the receiver.
Reversals have the following stipulations:

■ This transaction is required for all issuing and acquiring ATM/POS

processors.
■ This transaction will be accepted as a reversal of an approved 0110 or
0210 transaction.
■ Reversals of approved balance inquiry transactions are not supported.
reversal transaction.
■ STAR Card-Issuer Processors must be able to accept both 0420 reversal
and 0421 repeat reversal message types. The 0420/0421 reversals will be
retransmitted to a Card-Issuer Processor once each minute until a
a 0420 is generated, the message will be saved and attempts at
■ It is highly recommended that the STAR network’s interleaving option be
used to efficiently manage stand-in and advice notification. This feature
allows those processors that have developed a large store-and-forward
queue file the ability to intermingle received online with advice transaction
activity.
■ If STAR processing receives invalid data element content in a reversal
messages, then STAR will acknowledge the message with a 0430 response
message back to the acquirer using Response Code 30 (format error) and
will include the data element number that is in error within DE 044.
■ STAR Issuers receiving invalid data element content in a reversal message
must still acknowledge the message with a 0430 with a Response Code 00
(approved).
■ If a STAR processor receives a reversal for which it is unable to parse bit or
byte maps or field lengths, then STAR will return a 0620 message to the
acquirer.
■ If the STAR Issuer receives a reversal message for which it is unable to
parse bit or byte maps of field lengths, then the Issuer must minimally
return a protocol-level 'ACK'.
Table 3.4: Reversal Message Types

0420 Reversal Advice DE 090, Original Data Elements provides information

on the original transaction.
0421 Repeat Reversal Advice STAR NE does not send 0421 messages.

Table 3.4: Reversal Message Types (cont.)

0430 Reversal Advice

Acknowledgement

Administrative “Error” Messages
Administrative messages pass system-related information between the STAR

Switch and the Acquirer Processor or Card-Issuer Processor. They are used to
indicate that the STAR Switch was unable to parse a message or that a
mandatory data element is missing.
■ The STAR Switch will generate a 0620 Administrative Advice when the
Switch cannot successfully parse the bit or byte maps. A 0620 message
will also be generated if the processor fails to include the “mandatory”
fields in the message.
■ The additional data field will contain the first 255 bytes of the message in
error. Processors should log the receipt of a 0620 message from the
Switch for research purposes. In addition, processors should log an error
message to their network console indicating that an error condition has
occurred.
■ If the Issuer receives invalid content in one or more data elements in a
request message, then the Issuer should deny the transaction in the 0110/
0210 response message using Response Code 30 (format error) and
should include the data element number that is in error within DE 044. If
the Issuer receives invalid content in data elements in a reversal or an
advice message, the Issuer must still acknowledge the message with a
0130/0230/0430 with a Response Code 00 (approved). It is not
appropriate to send a 0620 message (or a Response Code 30 reply) in
these situations.
■ Transactions responded to with a 0620 message will not have a reply or be
settled by the Switch.
lengths.

■ If the Issuer receives invalid content in one or more data elements in a

request message, then the Issuer should deny the transaction in the 0110/
0210 response message using Response Code 30 (format error). If the
Issuer receives invalid content in data elements in a reversal or an advice
message, the Issuer must still acknowledge the message with a 0130/
0230/0430 with a Response Code 00 (approved). It is not appropriate to
send 0620 messages in these situations.
Table 3.5: Administrative “Error” Message Type

0620 Administrative Advice
Network Management Messages
Network Management messages are used to coordinate system or network

events or tasks and to communicate network status conditions.
■ All STAR Card-Issuer Processors and Acquirer Processors must certify the
0800 messages.
■ For Key Management Support, the STAR Switch maintains both the current
and prior values of the Acquirer Processor working key. If a transaction
received from an Acquirer Processor is subsequently denied by the STAR
security module for a key sync or sanity error, the Switch will attempt to
translate the PIN one additional time using the prior key.
When a key change message sent to a processor is rejected or not
responded to, the Switch will continue to encrypt the PIN using the
existing working key.
■ STAR strongly recommends that all processors maintain both the current
and prior working key values for translation purposes. Under this
methodology, processors should be able to avoid unnecessary key sync or
sanity errors due to key change situations.
Table 3.6: Network Management Message Types

0800 Network Management DE 070, Network Management Information Code is

Request used to describe a specific purpose or function of each
message.
0810 Network Management

Response

Bit Maps and Data Elements

Immediately following the Message Type identifier, a message has at least
one “bit map” that is used to indicate which fields are present in the message.
The bit maps contain a series of 64 bits used to identify the presence or
absence of the data elements that are possible for that Message Type.
These 64 bit positions are represented as either:

■ 16 hexadecimal bytes (if packing of bit maps is not being used)
OR
■ 8 binary bytes (if packing of bit maps is being used)
At the bit level of the bit maps, ‘1’ bits indicate that the corresponding data
elements are “on” and should be present; ‘0’ bits indicate that the
corresponding data elements are “off” and should not be present.
All messages contain a Primary bit map. Depending on which data elements
are included, a message may also have a Secondary bit map appearing
immediately after the Primary.
Table 3.7: Message Bit Maps
Bit Map Description
Primary Present in all Message Types
◆ Contains 64 bit positions to represent data elements 001–064.
Secondary Present in messages containing data elements above 064
◆ Contains 64 bit positions to represent data elements 065–128.
◆ If Secondary bit map is present, first position is ‘1’.
Certain data elements for any Message Type are always required. However,
not all the data elements listed for a Message Type layout given in this
chapter will be found in a given instance of that message. Unnecessary data
items are omitted. Thus the bit maps are necessary to identify to the
processor interface which of all the possible data elements are present in each
particular Message Type instance.

Message Layouts
In the message layout tables that follow, each row represents a STAR data
element that may be a part of a message of that Message Type.
The message layout tables in this section have the following headings:
■ Bit
■ ISO Field Name
■ Data Type
■ Requirements – Trnsmit / Recv
■ Notes
Bit Number and ISO Field (Data Element) Name

The number in the Bit column is a key to finding a complete description of a
data element in Chapter 4: Data Element Definitions.
The names shown in the ISO Field Name column are the data element
names. These names correspond to and in most cases match the ISO
8583-defined field names. There are a few instances, however—DE is an
example—in which the name shown has been modified from the ISO name to
better convey how the field is being used by STAR software.
The first two data elements, Message Type Identifier and Primary Bit Map, are
always present in any message and therefore are not numbered.
Data Type
The Data Type column of the message layout tables uses the following
indicators to describe data element attributes:
Table 3.8: Data Type Indicators

Indicator Definition Notes
b Binary – will be hexadecimal characters if Left-justified with trailing zeros.

the packing option is not set.
A Alphabetic characters only. Left-justified with trailing spaces.
N Numeric values (digits) only. Right-justified with leading zeros.
AN Alphanumeric characters only. Left-justified with trailing spaces.

Table 3.8: Data Type Indicators (cont.)

Indicator Definition Notes
ANS Alphabetic, numeric and special characters. Left-justified with trailing spaces.
NS Numeric and special characters. Left-justified with trailing spaces.
NP Numeric data element that is capable of When the numeric packing option
being packed, based on the database is set, all lengths are 1-byte
setting. The data element contains numeric binary. Odd-length packed
digits in unsigned packed format (4-bit numerics have a leading zero to
BCD) when the numeric packing option is ensure that data elements begin
set. The associated number indicates the and end on byte boundaries.
number of digits the data element contains.
LLV ■ Variable data field that can have a length ■ The maximum data element
range of 1-99. length that can be represented
by the packed 1-byte binary is
■ When the packing option is not set, the 255.
variable-length subfield is 2 numeric
characters long. Otherwise, the ■ The length of a variable-length
variable-length subfield is one byte long. field may exceed the maximum
message size defined by STAR‘s
LLLV ■ Variable data field that can have a length software. If this occurs, only the
range of 1-255. message size defined by STAR
will pass through the Switch.
■ When the packing option is not set, the
variable-length subfield is 3 numeric
characters long. Otherwise, the
variable-length subfield is one byte long.
X ■ ‘C’ indicates a positive amount (credit). For financial transactions, the

value of the amount (credit or
■ ‘D’ indicates a negative amount (debit). debit) is given from the
cardholder’s perspective.
■ For zero amounts, ‘0’ may be used.
Throughout the message layout tables that follow, the length of the
variable-length sub-element (Byte Map) is shown as if the numeric packing
option is not set. If the numeric packing option is set, all length sub-elements
are one byte long.
The 1-byte binary allows a maximum data field length of 255. With the
numeric packing database option turned on, no data field may be longer than
255.

Requirements – Trnsmit / Recv

The Trnsmit (Transmit) and Recv (Receive) columns contain indicators of
whether individual data elements within a message are always, sometimes, or
never required:
Table 3.9: Requirements Indicators

Indicator Description
M Mandatory – The data element must be present in the message. Issuers/

Acquirers should populate their messages and/or edit accordingly.
C Conditional – The data element must be present when specific conditions are
satisfied. The applicable conditions are generally identified in the Notes
column.
O Optional – The data element is optional and may be provided at the option of
the originator of the message. If the data element is present in the message,
it may or may not be forwarded. Some elements may be unsupported.
The data element is not present for this message instance.
The data elements defined by STAR as conditional or optional may be required

to interchange with endpoints using other message structures. Refer to the
STAR ISO 8583 Gateway/Product Interface Guide for the specific link to
determine additional data element requirements.

Notes
The Notes column provides additional clarifications on the use of the element
in the online message. For a full description of each data element’s usage,
refer to Chapter 4: Data Element Definitions of this document and/or the
STAR ISO 8583 Gateway/Product Interface Guide.
Table 3.10: Format Abbreviations and Common Notes

Notes Description
MM Month (01-12)
DD Day (01-31)
YY Year (00-99)
hh Hour (00-23)
mm Minute (00-59)
ss Second (00-59)
Multi-Currency Field may be present when the transaction involves more

Field than one currency. Specifically, additional fields may be
passed when the local (acquiring) currency, the switch
settlement currency (US dollars), and the cardholder
currency are not all the same.

Pre-authorization Messages
0100/0101 Pre-authorization Request

Table 3.11: 0100/0101 Pre-authorization Request
Requirements
Bit ISO Field Name Data Type Trnsmit Recv Notes
– Message Type N4 M M ■ Always ‘0100’ initially.
■ ‘0101’ if repeated by
Acquirer.
– Bit Map, Primary b64 M M
001 Bit Map, Secondary b64 C C Required if fields are

specified in DE 065 to
DE 128.
002 Primary Account LLV N19 C C ■ Required if PAN is

Number manually entered.
■ If electronically
captured, DE 035 or
DE 045 must be
present.
003 Processing Code N6 M M
004 Amount, Transaction N12 M M
005 Amount, Settlement N12 C C Multi-Currency Field
006 Amount, Cardholder N12 C C Multi-Currency Field

Billing
007 Transmission Date & N10 M M ■ Updated by each

Time processing end point.
■ Greenwich Mean Time.
■ MMDDhhmmss
008 Amount, Cardholder N8 O O Unsupported

Billing Fee
009 Conversion Rate, N8 C C Multi-Currency Field

Settlement

Cardholder Billing

Table 3.11: 0100/0101 Pre-authorization Request (cont.)

Requirements
011 System Trace Audit N6 M M

Number
012 Time, Local Transaction N6 M M hhmmss
013 Date, Local Transaction N4 M M MMDD
014 Date, Expiration N4 O O ■ Signature debit if Track

1 or 2 data is not
available.
■ YYMM
015 Date, Settlement N4 M M ■ STAR business date.
■ MMDD
016 Date, Conversion N4 C C ■ Multi-Currency Field.
■ Return if available.
■ MMDD
017 Date, Capture N4 O O MMDD
018 Merchant Type N4 M C
019 Acquiring Institution N3 C C

Country Code
022 Point-Of-Service Entry N3 M C

Mode
023 Card Sequence Number N3 O C
025 Point-Of-Service N2 O O ■ Present if sent by

Condition Code another network.
■ See the STAR ISO

8583 Gateway/Product
Interface Guide.
026 Point-Of-Service PIN N2 O C

Capture Code
027 Authorization N1 O C
Identification Response
Length


Requirements
028 Amount, Transaction X + N8 O O

Fee
029 Amount, Settlement Fee X + N8 O O
030 Amount, Processing Fee X + N8 O O Unsupported
031 Amount, Settlement X + N8 O O Unsupported

Processing Fee
032 Acquiring Institution LLV N11 M M

Identification Code
033 Sponsor ID LLV N11 C ■ Required in ATM

transactions if terminal
is sponsored by a STAR
financial institution.
■ Applicable only on
Acquirer side.
035 Track 2 LLV NS37 C C If electronically

captured, DE 035 (or DE
045 from non-STAR
Acquirers) must be
present.
037 Retrieval Reference AN12 M M

Number
040 Service Restriction Code AN3 O O Unsupported
041 Card Acceptor Term AN8 M M

Identification
042 Card Acceptor ANS15 O C Required for STAR POS

Identification Code Acquirers.
043 Card Acceptor Location AN40 M C Sent, if available. Reg. E

data required for STAR
Acquirer Processors.


Requirements
045 Track 1 LLV ANS76 C ■ Present if sent by

another network.
■ May optionally be
passed to signature
debit issuers. STAR
acquirers should not
send this data.
captured, DE 035 or
DE 045 will be present.
■ See STAR ISO 8583

Gateway/Product
Interface Guide.
047 Additional Data, LLLV C Electronic Commerce

National ANS..100 Indicators & UCAF data.
048 Merchant/Bank Name LLLV M C Reg. E Data required for

ANS025 all STAR Acquirer
Processors.
049 Currency Code, N3 M M ‘840’ = US

Transaction
050 Currency Code, N3 C C Multi-Currency Field

Settlement

Cardholder Billing
052 PIN Data b64 C C
054 Additional Amounts LLLV O O

ANS120
057 Authorization Life LLLV N003 M M
058 National LLLV N010 M M

Point-Of-Service
Condition Code
059 National LLLV O O Not required by the

Point-Of-Service AN017 STAR network, but may
Geographic Data be required by
interfacing networks.


Requirements
061 Acquirer Transport Data LLLV O O Will be echoed in

ANS100 response, but not
forwarded to Issuer.
063 STAR Data LLLV M M

ANS050
■ Byte Map AN2 M M Required to indicate the

presence of the
subfields. Must be first
subfield.
■ Pseudo Term AN6 M M Mandatory for STAR

Acquirers.
■ Issuer Network AN3 O C

Identification
■ Acquirer Network AN3 O C

Identification
■ Processor ID AN6 O M Switch-filled
067 Extended Payment Code N2 O O Unsupported
102 Account LLV ANS28 C C Used for Co-op Issuers

(STAR NE Platform only).
103 Account Identification 2 LLV ANS28 O O Unsupported
104 Interchange Group LLLV C C ■ Required for POS

Identifier ANS100 Acquirer Processors.
■ Also see Chapter 13 in

this manual.


Requirements
111 Additional Data, Private LLLV O O ■ SE/W platforms only.

Acquirer AN255
■ May be returned, if
received in the
request, if the
Card-Issuer Processor
desires to have this
field returned in a
reversal.
■ See Chapter 8 in the

STAR ISO 8583
Gateway/Product
Interface Guide.
113 Card Issuer LLLV N011 O O

Identification Code
120 Account Qualifiers LLLV O C

AN006
122 Sponsor Bank ID LLLV O ■ SE/W platforms only.

AN011
■ If sent by another
network, this field is
optionally available to
STAR Issuers.
■ STAR Acquirers should

not send in this field
for ATM transactions.

STAR ISO 8583
Gateway/Product
Interface Guide.


Requirements
123 AVS / CVx2 / 3-D / LLLV C C ■ See Chapter 6 in the

Check Auth / ATM ANS255 STAR ISO 8583
Overdraft / Cash/Check Gateway/Product
Deposits Interface Guide.
■ Only present if
required by or
transmitted from
another network.
■ MICR data sent only if

available.
125 Network Management LLLV O O ■ For Issuers that elect

Information/Tagged ANS56 to receive the ALL
Issuer Data STAR Indicator
127 Acquirer Trace Data LLLV O O ■ Only present if

ANS100 required by or
transmitted from
another network.
■ Details are available in

the STAR ISO 8583
Gateway/Product
Interface Guide.

0110 Pre-authorization Response

Table 3.12: 0110 Pre-authorization Response
Requirements
– Message Type N4 M M Always ‘0110’.
001 Bit Map, Secondary b64 M M Required if fields

DE 128.
002 Primary Account LLV N19 C C Required, if received in

Number 010x message.
004 Amount, Transaction N12 M M Copied from the 010x

message.

■ MMDDhhmmss

Billing Fee

Settlement

Cardholder Billing
011 System Trace Audit N6 M M Copied from the 010x

Number message.
012 Time, Local Transaction N6 M M ■ Copied from the 010x

message.
■ hhmmss

Table 3.12: 0110 Pre-authorization Response (cont.)

Requirements
013 Date, Local Transaction N4 M M ■ Copied from the 010x

message.
■ MMDD
014 Date, Expiration N4 O O ■ May be returned, if

received in the
request, if the
field returned in a
reversal.
■ YYMM
■ MMDD
016 Date, Conversion N4 C C ■ Multi-Currency Field
■ Return if available.
■ MMDD
017 Date, Capture N4 O O MMDD
018 Merchant Type N4 O C May be returned, if

received in the request,
if the Card-Issuer
Processor desires to
have this field returned
in a reversal.
019 Acquiring Institution N3 O C

Country Code
022 Point-Of-Service Entry N3 O C

Mode
025 Point-Of-Service N2 O O
Condition Code

Fee


Requirements

Processing Fee
032 Acquiring Institution LLV N11 M M Copied from the 010x

Identification Code message.
033 Sponsor ID LLV N11 C Echoed only if sent by

the Acquirer.
035 Track 2 LLV NS37 C C Required if received in

010x message.
037 Retrieval Reference AN12 M M Copied from the 010x

Number message.
038 Authorization AN6 O C Required for

Identification Response participation in some
links.
039 Response Code AN2 M M If the response code is

30, then Additional
Response Data (DE 044)
contains the data
element number in error.
041 Card Acceptor Term AN8 M M Copied from the 010x

Identification message.
042 Card Acceptor ANS15 O C May be returned, if

Identification Code received in the request,
if the Card-Issuer
043 Card Acceptor Location AN40 O C Processor desires to
in a reversal.
044 Additional Response LLV AN25 C C

Data
045 Track 1 LLV ANS76 C Required if received in

0100 message.


Requirements

048 Merchant/Bank Name LLLV O C May be returned, if

ANS025 received in the request,
if the Card-Issuer
in a reversal.
049 Currency Code, N3 M M Copied from the 010x

Transaction message.

Settlement

Cardholder Billing
054 Additional Amounts LLLV C C Return if additional

ANS120 amounts are needed or
balance returned.
055 Additional Fees LLLV C C Required if received in

ANS088 the 0xxx message
057 Authorization Life LLLV N003 O O Reversal
058 National LLLV N010 M M May be returned, if

Point-Of-Service received in the request,
Condition Code if the Card-Issuer
in a reversal.
059 National LLLV O C Not used by the STAR

Point-Of-Service AN017 network, but may be
Geographic Data required by interfacing
networks.
061 Acquirer Transport Data LLLV O C Required if in 010x

ANS100 message.

ANS050


Requirements

presence of the
subfield.
■ Pseudo Term AN6 M M

Identification
■ Acquirer Network AN3 O C May be returned, if

Identification received in the request,
if the Card-Issuer
in a reversal.
102 Account Identification 1 LLV ANS28 O O May be returned, if

if the Card-Issuer
in a reversal.
103 Account Identification 2 LLV ANS28 O O Unsupported
104 Interchange Group LLLV O O ■ May be returned, if

Identifier ANS100 received in the
request, if the
field returned in a
reversal.

this manual.
105 Large Private Data LLLV C C Mandatory when

ANS185 Processing Code is
35xx00 (Account List
Inquiry Data).


Requirements
113 Card Issuer LLLV N011 M M

Identification Code
114 AuthorizIng Agent LLLV O C

Country Code AN003
120 Account Qualifiers LLLV O C May be returned, if

AN006 received in the request,
if the Card-Issuer
in a reversal.
121 Additional Data, Private LLLV O O See Chapter 9 in the

Issuer ANS999 STAR ISO 8583
Gateway/Product
Interface Guide for
additional information.


Requirements
122 Sponsor Bank ID LLLV O ■ STAR SE/W Platforms

AN011 only.
received in the
request, if the
field returned in a
reversal.
123 AVS / CVx2 / 3-D / LLLV C ■ See Chapter 6 in the

■ Only present if
required by or
transmitted from
another network.
125 Network Management LLLV O C ■ May be returned , if

Information/Tagged ANS56 received in the request
Issuer Data (if the Card-Issuer
Processor wants to
receive this field in a
reversal for a late
response).
■ Optional for Acquirers

to receive in response
messages and to send
in subsequent advice
and reversal
messages.
126 Issuer Trace ID LLLV O C May be returned, if

if the Card-Issuer
127 Acquirer Trace Data LLLV O O Processor desires to
ANS100
in a reversal.

0120/0121 Pre-authorization Advice

Table 3.13: 0120/0121 Pre-authorization Advice
Requirements
– Message Type N4 M M ■ ‘0120’ for initial advice.
■ ‘0121’ if repeated.
001 Bit Map, Secondary b64 C C Required if fields

DE 128.

Number manually entered or
track data is
unavailable.
■ STAR Issuers will

receive either DE 002
or DE 035

Billing

■ MMDDhhmmss

Billing Fee

Settlement

Cardholder Billing
011 Systems Trace Audit N6 M M Copied from 01xx.

Number

Table 3.13: 0120/0121 Pre-authorization Advice (cont.)

Requirements
012 Time, Local Transaction N6 M M ■ Copied from 01xx.
■ hhmmss
013 Date, Local Transaction N4 M M ■ Copied from 01xx.
■ MMDD
014 Date, Expiration N4 O O ■ May be present if

key-entered.
■ YYMM
■ MMDD
■ MMDD
017 Date, Capture N4 O O ■ Current Acquirer

Processor date.
■ MMDD
■ May be present if
transmitted in the
01xx.
018 Merchant Type N4 M M Required for STAR ATM &

POS.
019 Acquiring Institution N3 C C Required if not US (840).

Country Code
022 Point-Of-Service Entry N3 C C Required for transactions

Mode from a point of sale
device.
023 Card Sequence Number N3 O O May be used to send a

card sequence (plastic)
number if Track 2
(DE 035) is not sent.
025 Point-Of-Service N2 O O Unsupported

Condition Code


Requirements

Fee

Processing Fee

Identification Code
035 Track 2 Data LLV NS37 C C ■ STAR Acquirers should

send if track data is
electronically captured.
■ STAR Issuers will

receive either DE 002
or DE 035.
037 Retrieval Reference AN12 M M Must be copied from

Number 01xx.
038 Authorization ID AN6 C C ■ Only present if

required by or
transmitted from
another network.

the STAR ISO 8583
Gateway/Product
Interface Guide.
039 Response Code AN2 M M

Identification
042 Card Acceptor ANS15 C C Copied from the 010x

Identification Code message if available.


Requirements
043 Card Acceptor Location AN40 M C Reg. E data, required for

all STAR POS Acquirer
Processors – Card-Issuer
Processors may or may
not receive this data.

another network.
passed to signature
debit issuers. STAR
send this data.

Gateway/Product
Interface Guide.

048 Merchant/Bank Name LLLV M C Reg. E data, required for

ANS025 all STAR POS Acquirer
Processors – Card-Issuer
049 Currency Code, N3 M M

Transaction

Settlement

Cardholder Billing
054 Additional Amounts LLLV C C Sent if transaction

ANS120 related amounts are
present.
057 Authorization Life Cycle LLLV N003 C C Details are available in

the STAR ISO 8583
Gateway/Product
Interface Guide.


Requirements

Point-Of-Service
Condition Code
059 National LLLV O O Not used by STAR but

Point-Of-Service AN017 may be required by
Geographic Data interfacing networks.
060 Advice / Reversal Code LLLV M M

AN006

presence of subfields.
■ Advice Reason ANS2 C C

ANS100 response but will not be
forwarded to the
Card-Issuer Processor.

ANS050

presence of the
subfield.


Identification

Identification
102 Account Identification 1 LLV ANS28 O O Used for Co-op Issuers

103 Account Identification 2 LLV ANS28 O O


Requirements


this manual.
111 Additional Data, Private LLLV O O ■ May be returned, if

Acquirer AN255 received in the
request, if the
field returned in a
reversal.

STAR ISO 8583
Gateway / Product
Interface Guide.
113 Card Issuer LLLV N011 O O

Identification Code
120 Account Qualifiers LLLV O O Details are available in

AN006 the STAR ISO 8583
Gateway/Product
Interface Guide.

AN011
STAR Issuers.

Gateway/Product
Interface Guide.
123 AVS / CVx2 / 3-D / LLLV C C See Chapter 6 in the

125 Network Management LLLV O O For Issuers that elect to

Information/Tagged ANS56 receive the ALL STAR
Issuer Data Indicator.


Requirements
127 Acquirer Trace ID LLLV C C ■ Only present if

transmitted from
another network.

the STAR ISO 8583
Gateway/Product
Interface Guide.

0130 Pre-authorization Advice Response

Table 3.14: 0130 Pre-authorization Advice Response
Requirements

Time processing end-point.
■ MMDDhhmmss

Settlement
011 System Trace Audit N6 M M Copied from the 012x.

Number
012 Time, Local Transaction N6 M M ■ Copied from the 012x.
■ hhmmss
013 Date, Local Transaction N4 M M ■ Copied from the 012x.
■ MMDD
■ MMDD
028 Amount, Transaction X+N8 C C Required if received in

Fee the 012x.
029 Amount, Settlement Fee X+N8 C C Multi-Currency Field
037 Retrieval Reference AN12 M M Copied from the 012x.

Number
039 Response Code AN2 M M STAR Issuers must

return ‘00’.

Table 3.14: 0130 Pre-authorization Advice Response (cont.)

Requirements
044 Additional Response LLV AN25 C Used by STAR to provide

Data information to Acquirers
about the nature of edit
errors in conjunction
with Response Code (DE
039) of '30'.
049 Currency Code, N3 M M Copied from the 012x.

Transaction

Settlement

061 Acquirer Transport Data LLLV O C Required if present in

ANS100 012x.

ANS050

presence of the
subfield.

Financial Transaction Messages
0200/0201 Financial Transaction Request

Table 3.15: 0200/0201 Financial Transaction Request
Requirements
– Message Type N4 M M ■ ‘0200’ initially.
■ ‘0201’ if repeated by
Acquirer Processor.
001 Bit Map, Secondary b64 C C Required if fields

DE 128.

Number manually entered.
captured, DE 035 (or
DE 045 from non-STAR
Acquirers) must be
present.
004 Amount, Transaction N12 M M All zeros when

Processing Code (DE
003) = 39xx00 or
91xx00.

■ MMDDhhmmss

Billing Fee

Settlement

Table 3.15: 0200/0201 Financial Transaction Request (cont.)

Requirements

Cardholder Billing
011 Systems Trace Audit N6 M M

Number
012 Time, Local Transaction N6 M M hhmmss
013 Date, Local Transaction N4 M M MMDD
014 Date, Expiration N4 O O ■ May be present if

key-entered.
■ YYMM
■ MMDD
■ MMDD
017 Date, Capture N4 C C ■ Current Acquirer

Processor date.
■ MMDD

Country Code
022 Point-Of-Service Entry N3 C C Required for POS.

Mode

number if Track 2
(DE 035) is not sent.


Requirements
025 Point-Of-Service N2 O O ■ Only present if

Condition Code required by or
transmitted from
another network.

the STAR ISO 8583
Gateway/Product
Interface Guide.
026 Point-Of-Service PIN N2 O C

Capture Code
027 Authorization N1 O C
Identification Response
Length
028 Amount, Transaction X + N8 C C Mandatory for Acquirer

Fee Processors collecting a
Convenience fee or
providing a customer
rebate.
029 Amount, Settlement Fee X + N8 O O Unsupported

Processing Fee

Identification Code

Acquirer side.
035 Track 2 Data LLV NS37 C C If electronically

captured, DE 035 (or DE
045 from non-STAR
Acquirers) must be
present.


Requirements
037 Retrieval Reference AN12 M M

Number

Identification
042 Card Acceptor ANS15 C C Required for STAR point

Identification Code of sale Acquirer
Processors.
043 Card Acceptor Location AN40 M M Reg. E Data

another network.
passed to signature
debit issuers. STAR
send this data.
captured, DE 035 or
DE 045 will be present.

Gateway/Product
Interface Guide.
048 Merchant/Bank Name LLLV M C Reg. E Data, required for

ANS025 all STAR Acquirer
Processors. Card-Issuer

Transaction

Settlement

Cardholder Billing
052 PIN Data b64 C C


Requirements
054 Additional Amounts LLLV C C Sent if

ANS120 transaction-related
amounts are present,
e.g., cash back in a
deposit.
055 Additional Fees LLLV O O ■ Only present if

transmitted from
another network.

the STAR ISO 8583
Gateway/Product
Interface Guide.

Point-Of-Service
Condition Code
059 National LLLV O O

Point-Of-Service AN017
Geographic Data

forwarded to the

ANS50

presence of the
subfield.

Assigned by STAR staff.

Identification
■ Acquirer Network ID: AN3 O C

Transaction
Identification


Requirements
098 Payer/Payee Data AN25 C C See Chapter 12 in the

STAR ISO 8583
Gateway/Product
Interface Guide.
102 Account Identification 1 LLV ANS28 O O Used for Co-op Issuers



this manual.

the STAR ISO 8583
Gateway/Product
Interface Guide.
105 Large Private Data LLLV C C ■ In Account Balance

ANS255 Profile (39xx00)
transactions, required
for Co-op processors
only.
■ Value = ‘E’ if Issuer

and ATM support
Enhanced Balance
feature

this manual.
■ For MasterCard POS

Payment information,
see Chapter 12 in the
STAR ISO 8583
Gateway/Product
Interface Guide.


Requirements
113 Card Issuer LLLV N011 O O ■ Only present if

Identification Code required by or
transmitted from
another network.

the STAR ISO 8583
Gateway/Product
Interface Guide.

Gateway/Product
Interface Guide.
121 Additional Data, Private LLLV C C For Statement Data

Issuer ANSnn (91xx 00) transactions,
nn = 32. See Chapter 15
in this manual for
details.
122 Sponsor Bank ID LLLV C O ■ SE/W platforms only.

AN011
STAR Issuers.


STAR ISO 8583
Gateway/Product
Interface Guide.


Requirements

Deposits Interface Guide for
detailed information.
■ Only present if
required by or
transmitted from
another network.

available
125 Network Management LLLV O O For Issuers that elect to

127 Acquirer Trace ID LLLV O O ■ Only present if

transmitted from
another network.

the STAR ISO 8583
Gateway /Product
Interface Guide.

0210 Financial Transaction Response

Table 3.16: 0210 Financial Transaction Response
Requirements

DE 128.
002 Primary Account LLV N19 C C Required if received in

Number 020x message.
004 Amount, Transaction N12 M M Copied from the 020x

message.

■ MMDDhhmmss

Billing Fee

Settlement

Cardholder Billing

Number message.

message.
■ hhmmss

Table 3.16: 0210 Financial Transaction Response (cont.)

Requirements

message.
■ MMDD
014 Date, Expiration N4 O O YYMM
■ MMDD
■ Returned if available.
■ MMDD
017 Date, Capture N4 O C ■ May be returned, if

received in the
request, if the
field returned in a
reversal.
■ MMDD
018 Merchant Type N4 O C May be returned, if

019 Acquiring Institution N3 O C if the Card-Issuer
Country Code Processor desires to
022 Point-Of-Service Entry N3 O C
in a reversal.
Mode
025 Point-Of-Service N2 O O
Condition Code
028 Amount, Transaction X + N8 C C Required if present in

Fee 020x.
029 Amount, Settlement Fee X + N8 O C Multi-Currency Field


Requirements

Processing Fee
032 Acquiring Institution LLV N11 M M Copied from the 020x

Identification Code message.
033 Sponsor ID LLV N11 C Echoed only if sent by

the Acquirer.
035 Track 2 Data LLV NS37 C C Required if received in

020x message.

Number message.
038 Authorization AN6 O C ■ Only present if

Identification Response required by or
transmitted from
another network.

the STAR ISO 8583
Gateway/Product
Interface Guide.
039 Response Code AN2 M M If the response code is

30, then Additional
Response Data (DE 044)
contains the data
element number in error.
040 Service Restriction Code AN3 O O May be returned, if

if the Card-Issuer
in a reversal.
041 Card Acceptor Term AN8 M M Copied from the 020x

Identification message.
042 Card Acceptor ANS15 O C May be returned, if

Identification Code received in the request,
if the Card-Issuer
043 Card Acceptor Location AN40 O C Processor desires to
in a reversal.


Requirements
044 Additional Response LLV AN25 C C

Data
045 Track 1 LLV ANS76 C Required if received in

0200 message.
048 Merchant/Bank Name LLLV O C May be returned, if

if the Card-Issuer
in a reversal.


Settlement
054 Additional Amounts LLLV C C Required if in 020x

AN120 message.

058 National LLLV N010 M M Copied from the 020x

Point-Of-Service message.
Condition Code
059 National LLLV C C

Point-Of-Service AN017
Geographic Data
061 Acquirer Transport LLLV O C Required if in 020x

ANS100 message data.


Requirements

ANS050

presence of the
subfield.
■ Issuer Network AN3 C C

Identification
■ Acquirer Network ID: AN3 C C May be returned, if

Transaction received in the request,
Identification if the Card-Issuer
in a reversal.

STAR ISO 8583
Gateway/Product
Interface Guide.
104 Interchange Group LLLV O O ■ May be returned, if

Identifier ANS100 received in the
request, if the
field returned in a
reversal.

this manual.

the STAR ISO 8583
Gateway/Product
Interface Guide.


Requirements
105 Large Private Data LLLV C C ■ For Account Balance

ANS255 Profile (39xx00)
transactions, required
on transmit, optional
on receive.
■ Provides enhanced
balance amounts, text,
and other information.
■ For Receiver/Send
Data, also see Chapter
13 in this manual and
Chapter 12 in the STAR
ISO 8583 Gateway/
Product Interface
Guide.
111 Additional Data, Private LLLV O O

Acquirer AN255
113 Card Issuer LLLV M M

Identification Code AN011
114 Authorizating Agent LLLV O C

Country Code AN003

AN006
121 Additional Data, Private LLLV M M For Statement Data

Issuer ANSnnn (91xx00) transactions,
nnn varies. See Chapter
15 in this manual for
122 Sponsor Bank ID LLLV O ■ STAR SE/W platforms

AN011 only.
received in the
request, if the
field returned in a
reversal.


Requirements

■ Only present if
required by or
transmitted from
another network.
125 Network Management LLLV O C ■ May be returned , if

Information/Tagged ANS56 received in the request
Issuer Data (if the Card-Issuer
Processor wants to
receive this field in a
reversal for a late
response).

and reversal
messages.
126 Issuer Tracer ID LLLV O C May be returned, if

if the Card-Issuer
in a reversal.
127 Acquirer Trace ID LLLV O O ■ Also see Chapter 12 in

ANS100 the STAR ISO 8583
Gateway/Product
Interface Guide.

0220/0221 Financial Transaction Advice

Table 3.17: 0220/0221 Financial Transaction Advice
Requirements
– Message Type N4 M M ■ ‘0220’ for initial advice.
■ ‘0221’ for repeat

advice.
001 Bit Map, Secondary b64 C C Required if message

contains data elements
in the range of 065 to
128.
002 Primary Account LLV N19 M C ■ STAR acquirer

Number processors must send
DE 002 in all
completion advices.
■ STAR issuer processors

will receive DE 002 in
all completion advices
(although STAR switch
stand-in advice
messages may carry
DE 035 instead).
003 Processing Code N6 M M STAR acquirers should

copy from the 0110. DE
003 may not match that
of the 0110 for other
acquiring networks

Billing

Time processing end.
■ MMDDhhmmss

Table 3.17: 0220/0221 Financial Transaction Advice (cont.)

Requirements

Billing Fee

Settlement

Cardholder Billing
011 System Trace Audit N6 M M Copied from 01xx, 02xx.

Number
012 Time, Local Transaction N6 M M ■ Copied from 01xx,

02xx.
■ hhmmss
013 Date, Local Transaction N4 M M ■ Copied from 01xx,

02xx.
■ MMDD
014 Date, Expiration N4 C C YYMM
015 Date, Settlement N4 M M ■ STAR Business Date
■ MMDD
016 Date, Conversion N4 O O ■ Multi-Currency Field
■ MMDD
017 Date, Capture N4 O C MMDD

Country Code
022 Point-Of-Service Entry N3 C C Required for transactions

Mode from a POS device.

number if Track 2
(DE 035) data present.


Requirements
025 Point-Of-Service N2 O O ■ Only present if

Condition Code required by or
transmitted from
another network.

the STAR ISO 8583
Gateway/Product
Interface Guide.
028 Amount, Transaction X + N8 C C Required for Acquirer

Fee Processors collecting a
Convenience fee or
providing a customer
rebate.
029 Amount, Settlement Fee X + N8 C C Multi-Currency Field
030 Amount, Processing X + N8 O O Unsupported

Processing Fee

Identification Code

Acquirer side.
035 Track 2 Data LLV NS37 C STAR issuer processors

will not receive DE 035 in
completion advices
stand-in advice
messages may carry it).
037 Retrieval Reference AN12 M M Must be copied from

Number 01xx / 02xx.
038 Authorization ID AN6 C C Must be copied from

Response 0110 / 0210 if available.


Requirements
041 Card Acceptor Term AN8 M M Must be copied from

Identification 01xx / 02xx.
042 Card Acceptor ANS15 C C Required for STAR POS

Identification Code Acquirer Processors.
043 Card Acceptor Location AN40 M M Reg. E Data
045 Track 1 LLV ANS76 C STAR issuer processors

completion advices
stand-in advice
messages may carry it if
a financial request is
received from another
network and it contains
DE 045).
047 Additional Data, LLLV C Details are available in

National ANS..100 the STAR ISO 8583
Gateway/Product
Interface Guide.
048 Merchant/Bank Name LLLV M C ■ Reg. E Data, required

ANS025 for all STAR ATM and
POS Acquirer
Processors.
■ Sent to Card-Issuer
Processors if available
(as non-STAR
networks may not
send).

Transaction

Settlement

Cardholder Billing


Requirements
054 Additional Amounts LLLV C C Sent if

ANS120 transaction-related
amounts are present.
055 Additional Fees LLLV O ■ Only present if

transmitted from
another network.

the STAR ISO 8583
Gateway/Product
Interface Guide.
058 National LLLV N010 M M STAR pre-authorized

Point-Of-Service completions must/will
Condition Code have ‘88’ in positions
4-5.
059 National LLLV C O ■ Acquirers may need to

Point-Of-Service AN017 send if they participate
Geographic Data in a network that
requires it.

AN006

presence of the
subfields.
■ Reversal Reason ANS2 O O
■ Advice Reason ANS2 M M

ANS100 response, but will not be
forwarded to the


Requirements

ANS050

presence of the
subfield.
■ Issuer Network AN3 C C Recommended that

Identification Acquirer should send
from what was received
in the 0110 or 0210.

Identification
098 Payer/Payee Data AN25 C C Also see Chapter 12 in

the STAR ISO 8583
Gateway/Product
Interface Guide.
102 Account Identification 1 LLV ANS28 C O Copied from 0110.
103 Account Identification 2 LLV ANS28 C O
104 Interchange Group LLLV C C ■ Required if present in

Identifier ANS100 the 010x or 020x.

this manual.
■ For POS Payment

information, see
Chapter 12 in the STAR
ISO 8583 Gateway/
Product Interface
Guide.


Requirements
105 Large Private Data ANS255 C C For POS Payment

information, see Chapter
12 in the STAR ISO 8583
Gateway/Product
Interface Guide.
111 Additional Data, Private LLLV O O ■ May be returned, if

Acquirer AN255 received in the
request, and if the
field returned in a
reversal.

STAR ISO 8583
Gateway/Product
Interface Guide.
113 Card Issuer LLLV N011 O O ■ Only present if

Identification Code required by or
transmitted from
another network.

the STAR ISO 8583
Gateway/Product
Interface Guide.

Gateway/Product
Interface Guide.


Requirements

AN011
STAR Issuers.


STAR ISO 8583
Gateway/Product
Interface Guide.


available.
125 Network Management LLLV O O ■ For isuers that elect to


and reversal
messages.

transmitted from
another network.

the STAR ISO 8583
Gateway/Product
Interface Guide.

0230 Financial Transaction Advice Response

Table 3.18: 0230 Financial Transaction Advice Response
Requirements
Transm
Bit ISO Field Name Data Type it Recv Notes
003 Processing Code N6 M M For Self Service Check

deposit, must be
21 00 xx.

Time processing end.
■ MMDDhhmmss
009 Conversion Rate, N8 C C Returned if received in

Settlement 022x message.

Number message.

message.
■ hhmmss

message.
■ MMDD
■ MMDD
028 Amount, Transaction X + N8 O O Required if received in

Fee the 022x message.

Table 3.18: 0230 Financial Transaction Advice Response (cont.)

Requirements
Transm
Bit ISO Field Name Data Type it Recv Notes

Number message.

return ‘00’.
044 Additional Response LLV AN25 C Used by STAR Network

Data to provide information to
Acquirers about the
nature of edit errors in
conjunction with
Response Code (DE 039)
of '30'.

050 Currency Code, N3 C C Returned if received in

Settlement 022x message.

061 Acquirer Transport LLLV O O Required if present in

ANS100 022x data.

ANS050

presence of the
subfield.
■ Pseudo Term AN6 M M Required if present in

022x.

File Maintenance Messages
0300 Acquirer File Update Request (Negative File) SE/W Platforms

Table 3.19: 0300 Acquirer File Update Request (Negative File) SE/W
Platforms
Requirements
001 Bit Map, Secondary b64 M M
002 Primary Account LLV N19 M M

Number

■ MMDDhhmmss

Number
023 Card Sequence Number N3 C C Used if “plastic numbers”

are supported by the
039 Response Code AN2 C C Indicates the response

code used by the switch
when a transaction is to
be denied. Presented on
adds and updates only.
061 Acquirer Transport Data LLLV C C Four (4) digit switch

ANS100 internal code. Presented
on adds and updates
only.
062 Issuer Transport Data LLLV C C See Chapter 5, STAR ISO

ANS100 8583 Gateway/Product
Interface Guide for
further information.

Table 3.19: 0300 Acquirer File Update Request (Negative File) SE/W
Platforms (cont.)
Requirements
091 File Update Code AN1 M M ■ '1' = Add
■ '2' = Update
■ '3' = Delete
096 Message Security Code AN8 M M Switch assigned 5-byte

security code.
101 File Name LLV ANS17 M M Always ‘PI-NEGATIVE’.

0302 Card Issuer File Update Request (Negative File)

Table 3.20: 0302 Card Issuer File Update Request (Negative File)
Requirements

DE 128.
002 Primary Account LLV N19 M M

Number

■ MMDDhhmmss

Number
023 Card Sequence Number N3 C C Used if “plastic numbers”

039 Response Code AN2 C C
044 Additional Response LLV AN25 O O

Data
062 Issuer Transport Data LLLV O O See Chapter 5, STAR ISO

ANS100 8583 Gateway/Product
Interface Guide for
further information.
091 File Update Code AN1 M M
096 Message Security Code AN8 M M
101 File Name LLV ANS17 M M Always ‘PI-NEGATIVE’.

0310 Acquirer File Update Response (Negative File) SE/W Platforms

Table 3.21: 0310 Acquirer File Update Response (Negative File) SE/W
Platforms
Requirements
002 Primary Account LLV N19 M M Required if received in

Number the 0300 message.

■ MMDDhhmmss
011 System Trace Audit N6 M M Copied from the 0300

Number message.
023 Card Sequence Number N3 C C Required if present in

0302 message.
039 Response Code AN2 M M ■ Indicates the result of

the file update request.
■ Valid Value = '00'.
091 File Update Code AN1 M M Copied from the 0300

message.
0312 Card Issuer File Update Response (Negative File)

Table 3.22: 0312 Card Issuer File Update Response (Negative File)
Requirements

Table 3.22: 0312 Card Issuer File Update Response (Negative

Requirements

DE 128.
002 Primary Account LLV N19 M M Copied from the 0302

Number message.

■ MMDDhhmmss

Number message.
023 Card Sequence Number N3 C C Present if the field was in

the 0302 message.
039 Response Code AN2 M M Must be a value of ‘0’.
044 Additional Response LLV AN25 C C STAR SE/W Platform

Data only:
In response to the
Card-Issuer Processor’s
0302 inquiry, STAR will
return the status code
for the PAN in the
negative file.
062 Issuer Transport Data LLLV C C Required if present in

ANS100 0302 message.
091 File Update Code AN1 M M Copied from the 0302

message.

0322 Negative File Update Advice

Table 3.23: 0322 Negative File Update Advice
Requirements
Bit ISO Field Names Data Type Trnsmit Recv Notes
– Message Type N4 M ‘0322’
– Bit Map, Primary b64 M
001 Bit Map, Secondary b64 M
002 Primary Account LLV N19 M

Number
007 Transmission Date & N10 M MMDDhhmmss

Time
011 System Trace Audit N6 M

Number
023 Card Sequence Number N3 C Used if “plastic numbers”

Card-Issuer Procssor.
039 Response Code AN2 M ■ Presented on Adds,

Updates and Deletes.
■ New denial code ‘T6’

indicates when CV
Threshold has been
reached.
091 File Update Code AN1 M ‘1’ = Add
‘2’ = Update
‘3’ = Delete
096 Message Security Code AN8 M
101 File Name LLV ANS17 M ‘PI-NEGATIVE’
113 Issuer Institution ID LLV N12

0332 Negative File Update Advice Acknowledgement

Table 3.24: 0332 Negative File Update Advice
Acknowledgement
Requirements

Number

Time

Number
039 Response Code AN2 M Must be ‘00’
091 File Update Code AN1 M Copied from 0322

message
0382 PIN Change Request

Table 3.25: 0382 PIN Change Request
Requirements

Number
007 Transmission Date & N10 M

Time

Number
023 Card Sequence Number N3 C

Table 3.25: 0382 PIN Change Request (cont.)

Requirements
091 File Update Code AN1 M ‘2’ = Change
101 File Name LLV ANS17 M ‘PIN CHANGE’
113 Card Issuer LLLV M

124 Additional Data, Private LLLV M Contains PIN change

Acq AN255 information.

0392 PIN Change Reply

Table 3.26: 0392 PIN Change Reply
Requirements

Number

Time

Number
039 Response Code AN2 M

124 Additional Data, Private LLLV M Copied from the 0382

Acq AN255 message.

0382 PIN Offset File Update Request

Table 3.27: 0382 PIN Offset File Update Request
Requirements

Number

Time

Number
091 File Update Code AN1 M ■ ‘1’ = Add
■ ‘2’ = Change
■ ‘3’ = Delete
096 Message Security Code AN8 M Copied from the 0382

message.
101 File Name LLV ANS17 M ‘OFFSET FILE’
STAR SE/W Platform

only:
■ Values:
◆ ‘CH01’ - Cardholder
information
◆ ‘CH02’ - Track II
information


Table 3.27: 0382 PIN Offset File Update Request (cont.)

Requirements
124 Additional Data, Private LLLV M Contains PIN offset

Acq AN255 value.
STAR SE/W Platform

only:
■ Cardholder file
maintenance data.
■ This data element

contains CH01A or
CH02A record
maintenance data
(starting at the PAN
field).
■ Use upper-case for all

alphabetic values.
■ When DE091 File

Update Code = 2
(update), the following
rules apply:
◆ Blank spaces =
Existing data does
not change
◆ Asterisks = Existing
data is blanked out
(for alpha and
alpha-numeric fields
only).
◆ Zeros = Values are

set to zeros.
◆ Other characters or
text = Existing data
is replaced with the
new data.

0392 PIN Offset File Update Reply

Table 3.28: 0392 PIN Offset File Update Reply
Requirements

Number

Time
011 System Trace Audit N6 M Same value as is used in

Number 0800 messages.
039 Response Code AN2 M ■ ‘00’ = Update

successful
■ ‘25’ = Not found

(update/delete only)
■ ‘26’ = Already on file

(add only)
■ ‘29’ = Update not

successful
091 File Update Code AN1 M Copied from the 0382

Message
101 File Name LLV ANS17 M Copied from the 0382

Message


Table 3.28: 0392 PIN Offset File Update Reply (cont.)

Requirements

Acq AN255 value.
STAR SE/W Platform

only:
■ Copied from the 0382

Message

0382 Card Activation Request

Table 3.29: 0382 Card Activation Request
Requirements
– Message Type N4 M M ‘0382’
007 Transmission Date & N10 M M

Time

Number
091 File Update Code AN1 M M ‘2’ = Change
096 Message Security Code AN8 M M Same value as is used in

0800 messages.
101 File Name LLV ANS17 M M ‘CARD ACTIVATION’
113 Card Issuer LLLV M M

124 Additional Data, Private LLLV M M Contains Cardholder

Acq AN255 data.
0392 Card Activation Reply

Table 3.30: 0392 Card Activation Reply
Requirements
– Message Type N4 M M ‘0392’
007 Transmission Date & N10 M M

Time
011 System Trace Audit N6 M M Copied from 0384

Number message.

Table 3.30: 0392 Card Activation Reply (cont.)

Requirements
091 File Update Code AN1 M M Copied from 0384

message.
101 File Name LLV ANS17 O M Copied from 0384

message.
113 Card Issuer LLLV O M Copied from 0384

Identification Code AN011 message.
124 Additional Data, Private LLLV M M Copied from 0384

Acq AN255 message.

0384 PIN Change Advice - NE Platform

Table 3.31: 0384 PIN Change Advice - NE Platform
Requirements

Number

Time

Number
023 Card Sequence Number N3 C Used if ‘plastic numbers’



Acq AN255 value.
0394 PIN Change Advice Acknowledgement - NE Platform

Table 3.32: 0394 PIN Change Acknowledgement - NE Platform
Requirements
002 Primary Account LLV N19 M Copied from 0384

Number message.

Table 3.32: 0394 PIN Change Acknowledgement - NE Platform (cont.)

Requirements

Time
011 System Trace Audit N6 M Copied from 0384

Number message.
023 Card Sequence Number N3 C Required if present in

0384 message.
039 Response Code AN2 M Must be ‘00’
091 File Update Code AN1 M Copied from 0384

message.
101 File Name LLV ANS17 O Copied from 0384

message.
113 Card Issuer LLLV O Copied from 0384

Identification Code AN011 message.

Reversal Messages
0420/0421 Acquirer Reversal Advice

Table 3.33: 0420/0421 Acquirer Reversal Advice
Requirements
– Message Type N4 M M ■ ‘0420’ for initial

transaction.
■ ‘0421’ for repeat

(STAR
SE/W Platform only).
001 Bit Map, Secondary b64 C C Required if message

contains data elements
in the range of 065 to
128.
002 Primary Account LLV N19 M C ■ STAR acquirer

Number processors must send
DE 002 in all reversal
advices.
■ STAR issuer processors

will receive DE 002 in
all reversal advices
stand-in advice
messages may carry
DE 035 instead).
003 Processing Code N6 M M STAR acquirers should

copy from the 0110 or
0210. DE 003 may not
match that of the 0110
or 0210 for other
acquiring networks.
004 Amount, Transaction N12 M M Copied from 02xx or

01xx.
005 Amount, Settlement N12 C C Required if present in

02xx or 01xx request
message.

Table 3.33: 0420/0421 Acquirer Reversal Advice (cont.)

Requirements
006 Amount, Cardholder N12 C C Multi-currency field

Billing

■ MMDDhhmmss

Billing Fee
009 Conversion Rate, N8 C C Required if present in

Settlement 02xx or 01xx request
message.
010 Conversion Rate, N8 C C

Cardholder Billing
011 System Trace Audit N6 M M Copied from 02xx or

Number 01xx.
012 Time, Local Transaction N6 M M ■ Copied from 02xx or

01xx.
■ hhmmss
013 Date, Local Transaction N4 M M ■ Copied from 02xx or

01xx.
■ MMDD
014 Date, Expiration N4 C C ■ Required if present in

02xx.
■ YYMM
■ MMDD
■ MMDD
017 Date, Capture N4 C C Required if present in

020x.


Requirements
018 Merchant Type N4 M C Copied from 01xx or

02xx.

Country Code
022 Point-Of-Service Entry N3 C C ■ Required to be

Mode returned in a reversal
if received on a
023 Card Sequence Number N3 O O response message.
025 Point-Of-Service N2 O O ■ Is not sent to the

Condition Code Issuer in reversals
unless the Acquirer
supplied it, or for late
or unsolicited
responses, unless the
Issuer included this
data element in their
response.
028 Amount, Transaction X + N8 C C Required if present in

Fee 01xx or 02xx message.
029 Amount, Settlement Fee X + N8 C C

Processing Fee
032 Acquiring Institution LLV N11 M M Copied from 02xx or

Identification Code 01xx.

Acquirer side.
035 Track 2 Data LLV NS37 C STAR issuer processors

reversal advices
stand-in advice
messages may carry it).


Requirements
037 Retrieval Reference AN12 M M Copied from 02xx or

Number 01xx.
038 Authorization AN6 C C Copied from 0210 or

Identification Response 0110 message, if
available.
039 Response Code AN2 M M Copied from 0110 or

0210.
041 Card Acceptor/Merchant AN8 M M Copied from 02xx or

Terminal ID 01xx message.
042 Card Acceptor/Merchant ANS15 C C Issuers may or may not

ID Code receive.
043 Card Acceptor/Merchant AN40 C C Required to be returned

Name & Location in a reversal if received
on a response message.
045 Track 1 LLV ANS76 C STAR issuer processors

reversal advices
stand-in advice
messages may carry it if
a financial request is
received from another
network and it contains
DE 045.
047 Additional Data, LLLV C See the STAR ISO

National ANS...100 Gateway/Product
Interface Guide.
048 Merchant/Bank Name LLLV C C ■ Acquirers should send

ANS025 if available.
■ Issuers may or may

not receive. Sent to
Card-Issuer Processors
if available (as
non-STAR networks
may not send).


Requirements
049 Currency Code, N3 M M Copied from 02xx or

Transaction 01xx.
050 Currency Code, N3 C C Required if in 02xx or

Settlement 01xx.
051 Currency Code, N3 C C Required if in 02xx or

Cardholder Billing 01xx.
054 Additional Amounts LLLV C C Acquirer must send if

ANS120 sent in the original
request or if present in
the response.
055 Additional Fees LLLV O ■ Only present if

transmitted from
another network.
■ Details are available

the STAR ISO 8583
Gateway/Product
Interface Guide.
056 Replacement Additional LLLV C Present for over- or

Fees ANS088 under-dispense reversals
that contain a
MasterCard Currency
Conversion Assessment
(CCA) fee.
057 Authorization Life Cycle LLLV N003 C C Required if in 01xx.
058 National LLLV N010 M M Copied from 010x or

Point-Of-Service 020x.
Condition Code
059 National LLLV C O Acquirers may need to

Point-Of-Service AN017 send if they participate in
Geographic Data a network that requires
it.


Requirements

AN006

presence of the
subfields.
■ Reversal Reason ANS2 M M See Chapter 12 of this

guide for additional
■ Advice Reason ANS2 C C information.

forwarded to the

ANS050

presence of the
subfield.
■ Pseudo Terminal AN6 M M
■ Issuer Network AN3 C C Recommended that

Identification Acquirers send what was
received in the 0210 or
0110 message.
■ Acquirer Network AN3 C C

Identification
■ Processor ID AN6 O M Required from 02xx or

01xx.
090 Original Data Elements N42 M M Original message type

required.
095 Replacement Amounts AN42 C C Required if partial or

over dispense occurs.
Amount should reflect
the actual amount
dispensed.


Requirements

STAR ISO 8583
Gateway/Product
Interface Guide.
102 Account Identification 1 LLV ANS28 C C Copied from 0110 or

0210 message, if
103 Account Identification 2 LLV ANS28 C C available.
104 Interchange Group LLLV C C ■ Must be sent if

Identifier ANS100 contained in the 0110
and 0210.

STAR ISO 8583
Gateway/Product
Interface Guide.
105 Large Private Data LLLV C C ■ Also see Chapter 14 in

ANS255 this manual.

STAR ISO 8583
Gateway/Product
Interface Guide.
111 Additional Data, Private LLLV O O Also see Chapter 8 in the

Acquirer AN255 STAR ISO 8583
Gateway/Product
Interface Guide.
113 Card Issuer LLLV O O Copied from 0210 or

Identification Code AN011 0110.

AN006


Requirements

AN011
STAR Issuers.


STAR ISO 8583
Gateway/Product
Interface Guide.
123 AVS / CVx2 / 3-D / LLLV C C Also see Chapter 8 in the

125 Network Management LLLV O O ■ For isuers that elect to


and reversal
messages.

transmitted from
another network.

the STAR ISO 8583
Gateway/Product
Interface Guide.

0430 Acquirer Reversal Response

Table 3.34: 0430 Acquirer Reversal Response
Requirements
– Message Type N4 M M Always ‘0430’
001 Bit Map, Secondary b64 C M
003 Processing Code N6 M M Copied from the 042x

message.

■ MMDDhhmmss

Settlement

Number message.

message.
■ hhmmss

message.
■ MMDD
015 Date, Settlement N4 M M MMDD
028 Amount, Transaction X + N8 C C Required if received in

Fee the 042x message and
amount transaction fee
is present.
029 Amount, Settlement Fee X + N8 C C Multi-Currency Field

Number message.

Table 3.34: 0430 Acquirer Reversal Response (cont.)

Requirements

return ‘00’.
044 Additional Response LLV AN25 C Used by STAR to provide

Data information to Acquirers
about the nature of edit
errors in conjunction
with Response Code (DE
039) of '30'.


Settlement

061 Acquirer Transport Data LLLV O C Required if present in

ANS100 042x.

ANS050

presence of the
subfield.
090 Original Data Elements N42 M M
095 Replacement Amounts AN42 C C
123 AVS / CVx2 / 3-D / LLLV O O

Check Auth / ATM ANS255
Overdraft / Cash/Check
Deposits

Administrative Messages
0620 Administrative Advice

Table 3.35: 0620 Administrative Advice
Requirements

■ MMDDhhmmss
011 System Trace Audit # N6 M M
070 Network Management N3 M M Always ‘900’.

Information Code
124 Additional Data, Private LLLV M M

ANS255

Network Management Messages
0800 Network Management Request

Table 3.36: 0800 Network Management Request
Requirements

■ MMDDhhmmss
011 System Trace Audit # N6 M M
070 Network Management N3 M M

Information Code
096 Message Security Code AN M M
125 Network Management LLLV C C Required when network

Information ANS050 management information
code = ‘161’ or ‘171’.

0810 Network Management Response

Table 3.37: 0810 Network Management Response
Requirements

■ MMDDhhmmss

Number message.
070 Network Management N3 M M Copied from the 0800

Information Code message.

Chapter 4 117
Data Element Definitions
STAR ISO 8583 Message Data Formats

ISO format standards specify the following:
■ Byte maps will always be in hexadecimal format.
■ Variable fields may be variable in length. Host must be capable of parsing
variable-length subfields to determine length of field.
Options available to Processors using the STAR ISO 8583 message format:
Table 4.1: STAR ISO 8583 Processor Options

Message Data Description
Alphanumeric Fields Usage of ASCII or EBCDIC format
Primary (DE 001-064) and 16-byte hexadecimal format or 8-byte binary

Secondary (DE 065-128)
Bit Maps
Numeric Fields Packed or unpacked
Unsupported Data Elements

The following ISO elements are unsupported on the STAR Platforms:
■ 008 Amount Cardholder Billing ■ 020 PAN Extended Country Code

Fee
■ 021 Forwarding Institution ■ 024 Network International
Country Code Identifier
■ 027 Authorization Identification ■ 030 Amount, Transaction
Response Length Processing Fee
■ 031 Amount, Settlement ■ 034 Primary Account Number
Processing Fee (PAN), Extended
■ 036 Track 3 Data ■ 040 Service Restriction Code
■ 046 Additional Data ISO ■ 053 Security Related Control
Information
■ 064 Message Authentication Code ■ 065 Bit Map Extended
(MAC)
■ 066 Settlement Code ■ 067 Extended Payment Code
■ 068 Receiving Institution Country ■ 069 Settlement Institution
Code Country Code

■ 071 Message Number ■ 072 Message Number

■ 073 Date, Action ■ 074 Credits, Number
■ 075 Credits, Reversal Number ■ 076 Debits, Number
■ 077 Debits, Reversal Number ■ 078 Transfer Number
■ 079 Transfer, Reversal Number ■ 080 Inquiry Number
■ 081 Authorization, Number ■ 082 Credits, Processing Fee
Amount
■ 083 Credits, Transaction Fee ■ 084 Debits, Processing Fee
Amount Amount
■ 085 Debits, Transaction Fee ■ 086 Credits, Amount
Amount
■ 087 Credits, Reversal Amount ■ 088 Debits, Amount
■ 089 Debits, Reversal Amount ■ 092 File Security Code
■ 093 Response Indicator ■ 094 Service Indicator
■ 097 Amount Net Settlement ■ 099 Settlement Institution ID
Code
■ 106 Large Private Data 2 ■ 107 Large Private Data 3
■ 108 Large Private Data 4 ■ 109 Reserved For ISO Use
■ 110 Reserved For ISO Use ■ 112 Reserved For National Use
■ 115 Reserved For National Use ■ 116 Reserved For National Use
■ 117 Reserved For National Use ■ 118 Reserved For National Use
■ 119 Reserved For National Use ■ 128 Message Authentication Code

Data Elements
– Message Type
STAR Element Format NP-4
Definition A four-digit identifier of the type of message.
Processing Rules ■ This data element is required.
■ Message Type identifier must be present as the first field of any

message.
– Bit Map, Primary

STAR Element Format b-8 bytes or 16 hex bytes if numeric packing option not set.
Definition A series of 64 bits used to identify the presence (denoted by 1) or

absence (denoted by 0) of data elements 001 through 064.
Processing Rules ■ This data element is required.
■ Primary Bit Map must be present following the Message Type

field of any message.
■ Must include minimum bit map required by STAR Switch,

depending upon the message type.
001 Bit Map, Secondary

STAR Element Format b-8 bytes or 16 hex bytes if numeric packing option not set.
Definition A series of 64 bits used to identify the presence (denoted by 1) or

absence (denoted by 0) of data elements 065 through 128.
Processing Rules ■ This data element is conditional on the presence of one or more
data elements in the range 065-128.
■ Must include minimum bit map required by STARSwitch,

depending upon the message type.

002 Primary Account Number (PAN)

STAR Element Format LLV NP-19
Definition A series of digits to identify a customer account or relationship.

Message Type Disposition Condition
Acquirer
■ 010x,012x,020x Conditional Required if PAN is manually entered or

Track 2 data is unavailable. Otherwise,
optional.
■ 0110, 0210 Conditional Will be returned in response if sent in

request.
■ 022x, 042x Required DE002 must be passed.
■ 03xx Required
Issuer
■ 010x, 012x, 020x Conditional Will be present if PAN is manually entered or

if Track Data is unavailable.
■ 0110, 0210 Conditional Must be returned in response if received in

request.
■ 022x Conditional STAR issuer processors will receive DE 002

in all completion advices (although STAR
switch stand-in messages may carry DE 035
instead).
■ 042x Conditional STAR issuer processors will receive DE 002

in all reversal advices (although STAR
switch stand-in messages may carry DE 035
instead).
Processing Rules Required if Point of Service Entry Mode (DE 022) indicates that
the PAN was manually entered.

003 Processing Code

Definition A series of digits used to describe the effect of a transaction on

the customer account and the accounts affected.
Format Position 1-2 Transaction Type
Position 3-4 From Account
Position 5-6 To Account

Acquirer/Issuer
■ 010x, 0110, 012x, Required

0130, 020x, 0210,
022x, 0230, 042x,
0430
Processing Rules ■ STAR ATM/POS Card-Issuer Processors must respond to

mandatory processing codes.
■ STAR Acquirer Processors must send processing code 000000

for quasi-cash. See Chapter 10: Data Element 054: Additional
Amounts for quasi-cash transaction requirements for DE 054.
Position 1-2 ‘00’ ‘00’ = Goods and Services (Debit)
‘01’ Withdrawal / Cash Advance

(Debit)
‘11’ Quasi-Cash (Debit) / Issuer Only
‘17’ Cashed Check
‘20’ Return / Correction (Credit)
‘21’ Deposits (Credit)
‘30’ Available Funds Inquiry
‘31’ PIN’d Account Inquiry (STAR NE

platform)
‘33’ PIN-less Account Verification
‘35’ Account List Inquiry (STAR NE

platform only)

003 Processing Code (cont.)

Processing Rules ‘39’ Account Balance Profile/PIN-less
(cont.) Account Inquiry
‘40’ Transfer
‘50’ Bill Payment (Debit)/Payment to

Third Party
‘54’ Money Transfer Debit
‘55’ Payment from a Third Party

(Credit)
‘56’ Money Transfer Credit
‘56’ Payment/Funds Transfer (Credit)
‘58’ Electronic Payment (STAR NE

platform only)
‘59’ Payment Enclosed (STAR NE

platform only)
‘70 Prepaid Card Load
‘72’ Prepaid Card Activation
‘91’ Statement Processing (STAR NE

only)
Positions 3-4/5-6: ‘00’ Default (FND)
‘09’ Other (OTH)
‘10’ Savings (SAV)
‘20’ Checking (DDA)
‘30’ Credit (CRD)
Please see Chapter 7: Data Element 003: Processing Codes in this

manual for processing codes of specific transactions.

004 Amount, Transaction

Definition Funds requested by the cardholder in the local currency of the

Acquirer Processor or source location of the transaction, exclusive
of all fees.
Acquirer/Issuer
■ 010x, 0110, 012x, Required

0130, 020x, 0210,
022x, 0230, 042x,
0430x
Processing Rules ■ For a transaction performed in US dollars, this field represents

the amount that will be settled by STAR.
■ For a transaction performed in a currency other than US dollars,

this field represents the transaction amount in the acquirer’s
currency. (DE005 will carry the transaction amount in US
currency.)”
■ For prepaid card transactions:
◆ Activate transactions will contain an amount of $0.
◆ Load transactions will contain the amount (in local currency)

of the value to be loaded to the card.

004 Amount, Transaction (cont.)

Processing Rules ■ For partial amount responses using new methodology -
(cont.) message types 0110 and 0210 (STAR SE/W Platforms only):
◆ If the request message contains DE 004, but not DE 005 or

DE 006, then issuers should change the amount in DE 004 in
the response message to reflect the partial approval amount.
◆ If the request message contains DE 005 and/or DE 006, the

issuer should return DE 004 with the same amount that is
carried in the 0100 or 0200 request message.
◆ If a STAR (U.S. based) POS acquirer sends DE 063.7 to

indicate an ability to handle a partial amount approval, then
the partial approval amount will be returned in DE 004.
■ For the 0420 “1F” Reversal Advices that an issuer will receive
for transactions involving a MasterCard CCA fee, DE 004 will
reflect the adjusted local transaction amount. The DE 004
amount is for informational use only.
■ Partial reversals of a partial approval amount transaction are

not permitted. Acquirers may only send full reversals of partial
approvals.
■ Surcharges or rebates are not included as part of this amount.
■ The new methodology for partial authorization responses is not

supported on the STAR NE platform.
005 Amount, Settlement

Definition Funds to be transferred between the Acquirer Processor and

Card-Issuer Processor/Card-Issuer, generally exclusive of all fees,
equal to the Amount, Transaction (DE 004) in the currency of
settlement.
Acquirer/Issuer
■ 010x, 0110, 012x, Conditional Required if transaction and settlement

0130, 020x, 0210, currencies are not the same.
022x, 0230, 042x,
0430

005 Amount, Settlement (cont.)

Processing Rules ■ For a transaction performed in a currency other than US
dollars”, this field represents the amount that will be settled by
STAR
■ Internationally-acquired transactions for the MasterCard

networks (Cirrus, Maestro, debit MasterCard) will have the
Currency Conversion Assessment (CCA) fee bundled into the
transaction amount. This fee is optionally available separately
in STAR Data Elements 055 and 056.
■ For prepaid card transactions:
◆ Activate transactions will contain an amount of $0.
◆ Load transactions, will contain the amount (in settlement

currency) of the value to be loaded to the card.
◆ PIN change transactions, will contain an amount of $0.
■ For partial amount responses using new methodology -

messages types 0110 and 0210 (STAR SE/W Platforms only):
◆ If the request message contains DE 004 and DE 005 (but not

DE 006), then the issuer should change the amount in DE 005
in the response message to reflect the partial approval
amount.
◆ If the request message contains DE 006, the issuer should

return DE 005 with the same amount that it carried in the
0100 or 0200 request message.
■ For the 0420 “1F” Reversal Advices that an issuer will receive
for transactions involving MasterCard CCA fees, DE 005 will
reflect the same value the issuer returned in the response
message. DE 005 is for informational use only. Issuer Note:
The posting of this transaction should be done from the
replacement amount in DE 095.
■ The new methodology for partial authorization respnoses is not

supported on the STAR NE Platform.

006 Amount, Cardholder Billing

Definition Amount billed to the cardholder in the currency of the cardholder

account, generally exclusive of all fees.
Issuer
■ 010x, 012x, 020x, Conditional Optionally available to issuers on the STAR

022x, 042x SE/W platform for transactions that include
a MasterCard Currency Conversion
Assessment fee.
■ 0110, 0210 Conditional Should be returned if received.
■ 0130, 0230, 0430 Optional
Acquirer
■ 0110, 0210, 0130, Conditional May be received for transactions for non-US
0230, 0430 cardholders.
■ 022x, 042x Optional May be sent if received in the 0210

response.
Processing Rules ■ STAR software does not perform currency conversion.
■ DE 006 is generally suppressed (not sent) on requests if it is

equal to the amount in DE 005 (Amount, Settlement).
■ For prepaid transactions:
◆ Activate transactions, will contain an amount of $0.
◆ Load transactions, will contain the amount (in the

cardholder's currency) of the value to be loaded to the card.
■ For partial amount responses using new methodology

(messages types 0110 and 0210):
◆ If the request message contains DE 004, DE 005, and DE

006, then issuer should change the amount in DE 006 in the
response message to reflect the partial approval amount.

006 Amount, Cardholder Billing (cont.)

Processing Rules ■ Internationally-acquired transactions for the MasterCard
(cont.) networks (Cirrus, Maestro, debit MasterCard) will have the
MasterCard Currency Conversion Assessment (CCA) fee
bundled into the Cardholder Billing amount as a default option
(thus making DE 006 equal to DE 005). The associated
conversion rate in DE 010 is adjusted accordingly.
◆ STAR SE/W Issuer processors have the option to request that

DE 006 be sent without the bundled CCA fee (in which case
DE 010 will also properly reflect the associated conversion
rate).
◆ The CCA fee is also optionally available separately in STAR

Data Elements 055 and 056.
■ STAR Network issuers on the SE/W Platform have the option of

receiving DE 006 for MasterCard acquired transactions that
contain CCA. If this option is chosen, DE 006 will reflect the
transaction amount without the CCA amount. Note: DE 006 is
not passed if its value equals the value in DE 005.
◆ For partial amount responses in 0210 message types:
• If the request message contains DE 004, DE 005, and DE

006, then issuers should change the amount in DE 006 in
the response message to reflect the partial approval
amount. For transactions involving MasterCard CCA, the
revised amount in DE 006 in the response, as in the
request, will not include any CCA amount. Issuers must
take this into consideration with determining the amount.
◆ For the 0420 “1F” Reversal Advice that an issuer will receive
for transactions involving MasterCard CCA fees, DE 006 will
reflect the same value the issuer returned in the response
message. Issuer Note: The posting of this transaction should
be done from either the replacement settlement amount in
DE 095 or the equivalent amount obtained by summing DE
006 and the replacement CCA fee in DE 056.
Platform Distinction This data element is not available on the STAR NE platform.

007 Transmission Date & Time

Definition Date and time the message entered into the data interchange
system. To be expressed in Greenwich Mean Time (GMT).
Updated by each processor end point.
Processing Rules Must be valid 4-position date followed by 6-position time

(MMDDhhmmss).
009 Conversion Rate, Settlement

Definition The factor used by the network that performs the currency
conversion in the conversion from the transaction amount to
settlement amount. The Amount, Transaction (DE 004) is
multiplied by DE 009 to determine Amount, Settlement (DE 005).
Format aBBBBBBB, where:
■ a is the decimal position from the right
■ B is the actual conversion factor

Acquirer
■ 010x, 012x, 020x, Conditional Required if terminal is located outside of the

022x, 042x U.S. (i.e., value is other than '840').
Issuer
■ 010x, 012x, 020x, Conditional Will be sent to U.S. Issuers when value is
022x, 042x other than '840'.
■ 420 Conditional Will be sent in acquirer-generated reversals

if received from acquirer. Will be send in
switch-generated reversals if received in the
response from the issuer.
Processing Rules None.

010 Conversion Rate, Cardholder Billing

Definition The factor used by the network that performs the currency
conversion in the conversion from the Amount, Transaction
(DE 004) to Amount, Cardholder Billing (DE 006). DE 004 is
multiplied by DE 010 to determine Amount, Cardholder Billing
(DE 006).
Note: STAR software does not perform currency conversion.
Format aBBBBBBB, where:
■ a is the decimal position from the right
■ B is the actual conversion factor

Issuer

Assessment fee.
■ 0130, 0230, 0430 Optional
Acquirer

response.
Processing Rules DE 010 is passed in requests when DE 006 (Amount, Cardholder

Billing) is present. Otherwise it is generally not passed.
Platform Distinction On the STAR NE Platform, this field is not provided in the online
message.

011 System Trace Audit Number

Definition A number assigned by the message initiator to uniquely identify a

transaction. The trace number remains unchanged for all
messages throughout the Life of the Transaction.
Acquirer
■ 0100, 0200, 0220, All must have the Must remain unchanged throughout the Life
0420 same trace of the Transaction.
number.
Processing Rules The System Trace Audit Number is assigned by the STAR
processor and must be unique for every request, original
submission and resubmission sent to the STAR Switch.
012 Time, Local Transaction

Definition The local time at which the transaction takes place at the point of
card/check acceptor location.
Message Type Format Disposition Condition
Acquirer
■ 010x, 0110, 012x, Valid Time Required

0130, 020x, 0210, (hhmmss)
022x, 0230, 042x,
0430
Processing Rules ■ Must remain unchanged throughout the Life of the Transaction.
■ Non-STAR acquirers may not echo the local transaction time

throughout the Life of the Transaction.
■ Returns, refunds, and similar transactions are considered new

transactions. They are not considered part of the original
purchase, bill payment, or similar transactions. This data
element should reflect the local time that the return, refund, or
similar transaction is being initiated.
Platform Distinction On the STAR NE Platform, 022x may have zeros for time.

013 Date, Local Transaction

Definition The local month and day on which the transaction takes place at
the card/check acceptor location.
Message Type Format Disposition Condition
Acquirer
■ 010x, 0110, 012x, Valid Date Required

0130, 020x, 0210, (MMDD)
022x, 0230, 042x,
0430
Processing Rules ■ On Merchant original or resubmission transactions, this date is

the date used to compare if the resubmission is in the 12-day
compliance window.
■ Must remain unchanged throughout the Life of the Transaction.
■ Non-STAR acquirers may not echo the local transaction time

through out the Life of the Transaction.
■ Returns, refunds, and similar transactions are considered new

transactions. They are not considered part of the original
purchase, bill payment, or similar transactions. This data
element should reflect the local date that the return, refund, or
similar transaction is being initiated.

014 Expiration Date

Definition The year and month after which the card expires.
Acquirer/Issuer
■ 010x, 012x, 020x, Optional May be sent if PAN is manually entered and
022x, 042x the data is readily available (embossed on
card face).
■ 0110, 0210 Optional May be sent if the Card-Issuer Processor

wants to receive this element in the reversal
for late or unsolicited response.
■ 302 Optional In a 0302 message, this is the record delete

date placed on the negative file.
Processing Rules Valid Date (YYMM).

015 Settlement Date

Definition The month and day funds will be transferred between Acquirer
Processor and Card-Issuer Processor/Card-Issuer or any
intermediate network facility.
■ STAR CHEK Direct: This is the settlement date of the message

initiator.
Acquirer/Issuer
■ 010x, 0110, 012x, Required On inbound requests:

0130, 020x, 0210,
022x, 0230, 042x, ■ This element may contain the Acquirer
0430 Processor's settlement date.
On inbound responses:
■ This element may contain the Card-Issuer

Processor's settlement date.
On outbound requests/responses:
■ This date is the STAR business date.
Processing Rules Valid Date (MMDD).
016 Date, Conversion

Definition The month and day the conversion rate is effective to convert the
Amount, Transaction (DE 004) and, if present Amount,
Transaction Fee (DE 028) to settlement currencies.
Issuer
■ 010x, 012x, 020x, Conditional May be present for non-US-acquired

022x, 042x transactions if the transaction and
settlement currencies are not the same.
■ 0130, 0230, 0430 Optional

016 Date, Conversion (cont.)

Acquirer
Processing Rules ■ Valid date (MMDD).
■ Required if a conversion rate is present.
■ STAR software does not perform currency conversion.
Platform Distinction
017 Date, Capture

Definition The month and day the transaction is processed by the Acquirer
Processor. This is the Acquirer Processor's calendar day.
Acquirer/Issuer
■ 010x, 012x, 020x, Optional

022x, 042x
Processing Rules If the difference between the current STAR Switch date and
current local date exceeds 12 calendar days, the STAR Switch will
reject the transaction with response code ‘80’ (stale dated
transaction).

018 Merchant Type

Definition The classification of the merchant’s type of business product or

service.
Acquirer
■ 010x, 012x, 020x, Required

042x
■ 0110, 0210 Optional May not be present in response.
■ 022x Conditional ■ Required on POS transactions
■ STAR CHEK® Direct: Always required.
Issuer
■ 010x, 012x, 020x, Conditional May not be present.

042x
■ 0110, 0210 Optional Required if Card-Issuer Processor wants to

receive this element in reversals generated
by the STAR Network for late responses.
Processing Rules ■ If an Acquirer Processor blank-fills this field, the STAR Switch
will fill this field with zeros.
■ See Chapter 8: Data Element 018: Merchant Type

019 Acquiring Institution Country Code

Definition The code of the country where the acquiring institution is located
(see ISO 3166).
Acquirer
■ 010x, 012x, 020x, Conditional Required if terminal owner operates

022x, 042x terminals in multiple countries.
Issuer
■ 010x, 012x, 020x, Conditional Will be passed if available.

022x, 042x
■ 110, 0210 Conditional Required if Card-Issuer Processor wants to

receive this element in a reversal for late or
unsolicited response.
Processing Rules None
022 Point-Of-Service Entry Mode

Definition First two positions indicate the method by which the Primary
Cardholder Account Number was entered into the system. The
third position indicates PIN entry capabilities.
Acquirer
■ 010x, 012x, 020x Conditional Required if the transaction was entered at

one of the following:
■ A point-of-service (POS) device.
■ An ATM acquirer dispensing alternate

media.
■ An ATM acquirer participating in a CVV

program.
■ A chip-related ATM transaction.

022 Point-Of-Service Entry Mode (cont.)

■ 022x Required
■ 042x Conditional ■ Required if included in the original

request.
■ Recommended, even if not included in the

original request.
Issuer
■ 010x, 012x Required Will be passed.
■ 020x Conditional Will be passed if available.
■ 0110, 0210 Required if the Card-Issuer Processor wants

to receive this element in a reversal for late
or unsolicited response.
■ 022x Conditional For stand-in advices, will be passed if

available.
Required For pre-authorized completions:
■ STAR NE Platform: Value will reflect that

sent by Acquirer.
■ STAR SE-W Platform: Positions one and

two will be sent with a value of ‘00’,
indicating ‘unspecified’ mode of entry.
■ 042x Conditional ■ May be present for switch-generated

reversal advices due to edit errors found
in the issuer’s response message.
■ STAR NE Platform: Will be passed if

available. Value will reflect that sent by
Acquirer.
■ STAR SE-W Platform: For pre-authorized

completions: Positions one and two will be
sent with a value of ‘00’, indicating
‘unspecified’ mode of entry
Values Position 1-2 ‘00’ Unspecified
‘01’ Manual
‘02’ Magnetic Stripe
‘03’ Bar Code


‘04’ OCR
‘05’ Integrated Circuit Card
‘06’ Manual (key-entered
‘07’ ■ Contactless chip transaction

originated using chip data rules
as defined by EMV* (available
in Europe).
■ STAR NE Platform only: An

Issuer option must be turned
on so that the Issuer can
receive these values. If not,
Issuer receives a ‘02’ (magnetic
stripe).
‘08’-’60’ Reserved for ISO use
‘61’-’78’ Reserved for national use
‘79’ Chip card or chip-capable

terminal was unable to process
the transaction using the data on
the chip or magnetic stripe, the
PAN was entered manually, or
the Acquirer is not certified to
process the value ‘80’.
‘80’ Chip card or chip-capable

terminal was unable to process
the transaction using the data on
the chip; the PAN was entered via
magnetic stripe. The full track
data was read from the data
encoded on the card and
transmitted within the
authorization request on Track 2
Data (DE 035) or Track 1 Data
(DE 045) without alteration or
truncation.
‘81’ PAN manual entry via Electronic

commerce
‘82’-’89’ Reserved for private use


‘90’ Full Magnetic Stripe (optionally
supported—must be coordinated
with STAR processing)
‘91’ ■ Contactless chip transaction

originated using magnetic
stripe data rules.
■ STAR NE Platform only: An

Issuer option must be turned
on so that the Issuer can
receive these values. If not, the
Issuer receives a ‘02’ (magnetic
stripe).
‘95’ Integrated circuit card, CVV data

may be unreliable
Position 3 ‘0’ Unspecified
‘1’ PIN entry capability
‘2’ No PIN entry capability
‘6’ PIN pad inoperative
‘8’ Terminal has PIN entry capability

but PIN pad is out of service
‘9’ PIN verified by terminal device
Processing Rules ■ For pre-authorized completions and reversals being sent by

acquirers, positions one and two for DE022 may be sent with a
value of ‘00’ indicating an ‘unspecified’ mode of entry.
■ For stand-in advices sent to Issuers, DE022 value will reflect

that sent by the acquirer.
■ For additional information on how DE022 may be populated for

transactions involving other networks, see the STAR ISO 8583
Gateway/Product Interface Guide.
■ If Issuer supports receiving extended POS Entry Mode values,

DE 022 will be populated with a value of ‘07’ or ‘91’ as received
from Visa.


Platform Distinction ■ For reversals and pre-authorized completion transactions that
do not contain track data fields, the STAR SE-W platform
populates the PAN entry mode with ‘00’ and the STAR NE
platform populates it in the manner in which it was populated
by the acquirer.
■ The STAR SE/W Switch will not perform Stand-in, nor can a
merchant/POS processor perform Stand-in, if:
◆ Positions 1 and 2 contain ‘01’; and/or
◆ Position 3 contains a value of ‘2’ or ‘6’.
023 Card Sequence Number

Definition Also known as Member number or plastic card number.
A number distinguishing between separate cards with the same

Primary Account Number or Primary Account Number Extended.
Acquirer/Issuer
■ 010x, 012x, 020x, Optional If available and Track 2 is not present.

022x

receive this element in a reversal for late or
unsolicited.
■ 0302 Conditional Required if a Card-Issuer Processor elects to

have the STAR Switch validate the card
sequence number during Store & Forward
processing.
■ 0312, 0332 Conditional Required if present in the 0302 and 0322

messages.
■ 042x Optional If available in response.
Processing Rules If the Issuer accepts Visa Card Sequence Number, then DE 023
will be populated with Visa Card Sequence Number ID.

025 Point-Of-Service Condition Code

Definition The conditions under which the transaction takes place at the
point of sale (POS).
Note: For STAR-acquired transactions, information in DE 058 is

deemed more reliable. This field is most often used to convey
information from other networks (e.g., Visa).
Acquirer/Issuer
■ 010x, 012x, 020x, Optional

022x
■ 0110, 0210 Optional
■ 042x Optional
Values ‘00’ Normal presentment
‘01’ Customer not present
‘02’ Unattended terminal able to retain card
‘03’ Merchant suspicious
‘04’ Electronic cash register
‘05’ Customer present, card not present
Note: May be present in AVS-only requests and CVV2-only

requests/advices.
‘06’ Pre-authorized request
‘07’ Telephone device request
‘08’ Mail and/or telephone
‘09’ Security alert
‘10’ Customer identity verified
‘11’ Suspected fraud
‘12’ Security reasons
‘15’ Customer Terminal (home terminal)

025 Point-Of-Service Condition Code (cont.)

‘16’ Administration terminal
‘27’ Unattended terminal unable to retain card
‘40’ Customer not present, standing order/recurring payment
‘52’ CVC/CVC2, CVV/CVV2 verified and valid
‘53’ CVC/CVC2, CVV/CVV2 verified and invalid
‘54’ Electronic commerce transaction – Nonsecure/Security

unknown
‘55’ Electronic transaction – Secure, with cardholder certificate
‘56’ Electronic transaction – Secure, without cardholder

certificate
‘57’ Electronic commerce transaction – Channel-encrypted
‘58’ Electronic commerce transaction – Nonsecure/Security

unknown
‘59’ Deferred billing
Platform Distinction Available on the STAR SE/W Platforms only.
026 Point-Of-Service PIN Capture Code

Definition Maximum number of PIN characters accepted by the point of sale

(POS) device.
Acquirer/Issuer
■ 010x, 020x Optional ■ STAR Acquirer Processors must accept

4-12 digit PINs.
■ Available on the STAR SE/W Platform

only.

028 Amount, Transaction Fee

STAR Element Format X + N-8
Definition Convenience fee charged by the Acquirer Processor for a

transaction in the currency of Amount, Transaction (DE 004).
Acquirer/Issuer
■ 020x, 022x, 042x Conditional ■ Required for Acquirer Processors

collecting a transaction convenience fee.
In pre-authorization transactions,
Amount, Transaction (DE 004) will contain
the pre-authorization amount plus the
surcharge or rebate amount.
■ The sum of Amount, Transaction (DE 004)

and Amount, Transaction Fee (DE 028) in
a 022x cannot exceed:
◆ DE 004 from 01xx

OR
◆ DE 054 in the 01xx
■ 010x, 012x, 013x Optional If the surcharge for pre-authorizations is

included in DE 004, then DE 028 can not be
sent.
■ 0130, 0210, 0230, Conditional Must be the same value in response as in

0430 request.
■ 0110 Optional If the surcharge for pre-authorizations is

included in DE 004, then DE 028 can not be
sent.

028 Amount, Transaction Fee (cont.)

Processing Rules ■ STAR processing does not calculate online fees.
■ Acquirer Processors implementing a convenience fee must set

the sign indicator to a ‘D’. Acquirer Processors implementing a
rebate must set the sign indicator to a ‘C’. These values will be
unaltered and passed through to the Card-Issuer Processor.
■ For reversals of transactions that contained a fee, the sign

indicator must be changed to a “C”.
■ For reversals associated with mis-dispenses (over-dispense or

partial amount dispense), the sign indicator in DE 028 must
likewise be changed to a “C”. However, issuer processors
should rely upon the replacement amounts and sign indicators
in DE 095 to ascertain the actual amount dispensed and amount
of the fee to be charged.
■ X must be ‘C’ (Credit to the cardholder) or ‘D’ (Debit to the

cardholder).
029 Amount, Settlement Fee

STAR Element Format X + N-8
Definition Convenience fee charged by the Acquirer Processor for a

transaction equal to the Amount, Transaction Fee (DE 028) in the
currency of Amount, Settlement (DE 005).
Acquirer/Issuer
■ 0130, 020x, 0210, Conditional Required if Amount, Transaction Fee

022x, 0230, 042x, (DE 028) is present and the currency of
0430 Amount, Transaction (DE 004) and Amount,
Settlement (DE 005) are not the same.
■ 010x, 0110, 012x Optional Must be the same value in response as in

request.

029 Amount, Settlement Fee (cont.)

Processing Rules ■ Required if Amount, Transaction Fee (DE 028) and Amount,
Settlement (DE 005) are present.
■ X (sign indicator): must be ‘C’ (Credit to the cardholder) or ‘D’

(Debit to the cardholder).
■ Acquirer Processors implementing a convenience fee must set

this indicator to a ‘D’. Acquirer Processors implementing a
rebate must set this indicator to a ‘C’. These values will be
unaltered and passed through to the Card-Issuer Processor.
■ The sign indicator must be reversed to indicate a reversal of a

fee.
■ When STAR cardholders are performing transactions in a

non-US currency, and a surcharge is being assessed, the
surcharge amount in DE 028 will be in the acquirer's currency,
and in DE 029 in US currency. Therefore, when both DE 028
and DE 029 are present in the request message, the issuer
processor must use the amount from DE 029 for posting the fee
to the cardholder's account.

032 Acquirer Institution Identification code (Acquirer ABA)

Definition Code identifying the acquiring institution (e.g., merchant bank) or

its agent.
STAR ATM and POS define this element as the acquiring

institution's FRDABA (Routing and Transit Number).
Acquirer/Issuer
■ 010x, 0110, 012x, Required All STAR ATM and POS Acquirer Processors
020x, 0210, 022x, must format the FRDABA as 1NNNNNNNNC,
042x where NNNNNNNN is the FRDABA and C is a
check digit.
Processing Rules ■ If the element begins with a ‘1’, must be an FRDABA with a
valid check digit. The check digit will be calculated using a
weighting factor of 37137137.
■ Numeric with trailing blanks.
■ For transactions acquired by networks behind the STAR

Network, the content of this field may not follow the STAR
standard layout.
■ For MasterCard Signature Debit completions, this element is

formatted 9MMMMMM, where M is the MasterCard ICA.
■ See the STAR ISO 8583 Gateway/Product Interface Guide for

Platform Distinction ■ For STARsf acquired transactions on the SE-W platform, this will
be a pseudo ABA assigned by the network. As a result,
acquirers will be returned an acquirer network ID of ‘SSF’ in
DE063 of the 0210 response to STARsf ATM withdrawal
transactions. Issuers will be sent an acquirer network ID of
‘SSF’ in DE063 of the 0200 withdrawal message.

033 Sponsor ID
STAR Element Format LLV N-11
Definition An 11 digit numeric field containing an ID, which is assigned by

the STAR network to uniquely identify the STAR financial
institution that sponsors an Acquirer terminal.
ATM Acquirer
■ 0200, 0420 Conditional Required if terminal is sponsored by a STAR

■ 0210 Conditional Will be present in replies to echo the field

when sent by an Acquirer.
POS Acquirer
■ 0100, 0200, 0220, Optional Optional if terminal is sponsored by a STAR

0420 financial institution.
■ 0110, 0210 Conditional Will be present in replies to echo the field

when sent by an Acquirer.
Processing Rules ■ Must be a numeric value. All zeros is an acceptable value for
transactions that are not sponsored.
■ This data element is not passed to Issuers.

035 Track 2 Data

STAR Element Format LLV NSP-37
Definition The information encoded on Track 2 of the magnetic stripe,

excluding beginning and end sentinels and LRC characters.
See the STAR Interface Guide for additional information on

Track 2.
Acquirer
■ 010x, 012x, 020x Conditional Required if card track data is electronically

captured.
■ 0110, 0210 Conditional Will be returned in response if in request.
■ 022x, 042x N/A DE035 must not be passed.
Issuer
■ 010x, 012x, 020x Conditional Will be sent if available.
■ 0110, 0210 Conditional Must be returned in response if received in

request.
■ 022x Conditional For stand-in advices, will be passed if

available. Not passed in pre-authorized
completions.
■ 042x Conditional ■ May be sent for switch-generated reversal

advices which are due to edit errors found
in the issuer’s response message.
■ Will not be sent for acquirer-generated

reversals.

035 Track 2 Data (cont.)

Processing Rules ■ Valid ISO Track 2 must be present from the STAR Acquirer if
POS Entry Mode (DE022) indicates a magnetic stripe read was
done.
■ An “=” is always the representation of the Track 2 field

separator when the following conditions are met:
◆ An “=” was received from the Acquirer Processor; and
◆ The Acquirer Processor is utilizing the ISO format; and
◆ The Card-Issuer Processor's packing option is not set
■ Acquirers sending DE035 must send the full contents of the

track and:
◆ Discretionary data should not be truncated.
◆ Data element should not be space or zero-filled.
◆ Field length should not be set to zero.
■ STAR Acquirers are not permitted to send Track 2 (DE 035) in

pre-authorized completions and reversal transactions:

037 Retrieval Reference Number (Terminal Sequence #)

STAR Element Format AN-12
Definition A document reference supplied by the system retaining the

original source document and used to assist in locating that
document or a copy.
The recommended format for this data element is shown below.

Acquirer/Issuer
■ 010x, 0110, 012x, Required ■ Although this field should remain

0130, 020x, 0210, unchanged throughout the Life of the
022x, 0230, 042x, Transaction, it cannot be guaranteed. It
0430 may vary between an original transaction,
submission and resubmission.
■ All STAR Acquirer Processors must

support only numerics in this field.
Format Position 1-4 ■ Julian date (YDDD):
■ This date is made up of the least

significant digit of the year, followed by
the 3-digit day of the year.
■ For example: January 15, 2006 = 6015
Position 5-12 ■ Actual terminal sequence number.
■ The terminal sequence number must be

incremented for each request. A value of
all zeros is not a valid terminal sequence
number for STAR ATM or POS Acquirer
Processors.
Processing Rules ■ STAR Acquirers are required to send the same value in DE 037
in both filled purchase pre-authorization requests and the
associated pre-authorized completions.
■ STAR ATM and POS Card-Issuer Processors may receive alpha

numeric characters in this field from link or reciprocal acquirers
such as Plus and Cirrus.
Platform Distinction Currently, STAR NE Acquirers may send DE 037 in the

recommended format. However, STAR NE Issuers will receive
DE 037 formatted as four zeros followed by the 8-digit terminal
sequence number.

038 Authorization Identification Response

Definition Response identification assigned by the issuing institution.

Acquirer
■ 0120, 0220, 0420 Conditional Should be sent by acquirer if available.
■ 0110, 0210 Conditional STAR SE/W Platforms: Will be sent to

acquirer if available.
Issuer
■ 0110 Conditional Required from Card-Issuer Processor in

signature debit authorization responses for
approved transactions.
■ 0110, 0210 Optional Optional from Card-Issuer Processor in

PIN-based responses for approved
transactions.
■ 012x, 022x, 042x Conditional Will be sent to Issuer if available.
Processing Rules ■ Required in responses to signature debit authorization

requests; optional in responses to pinned-based transactions.
■ Issuers should not use an 'N' or an 'S' in the first position of this
field as these designations are used when STAR processing (vs.
the Card-Issuer processor) populates DE 038. Doing so could
cause confusion to the Acquirer Processor as to whether the
Switch or the Card-Issuer Processor denied the transaction.
Platform Distinction ■ DE 038 is not currently available in responses to acquirer

processors on the STAR NE platform.

039 Response Code

Definition A code that defines the disposition of a message.

Acquirer/Issuer
■ 0110, 012x, 0130, Required

0210, 022x, 0230,
0302, 0312, 0322,
0430
■ 042x Required Must be value from original response.
Processing Rules ■ When Response Code is 30, Additional Response Data (DE 044)
will/must contain the data element number that is in error.
■ See Chapter 9: Data Element 039: Response Codes in this

manual for additional information.
■ The existing value of '10' - which indicates a partial approval

amount - will now be valid for use in message type 0210
(financial transaction response), provided the transactions does
not involve “cash back”.
■ Values of ‘00’, or ‘10’ will be allowed from acquirers for 0420

reversal messages when the original amount was partially
authorized. Regardless of the response code value sent by the
acquirer, response code “00” will be passed to issuers for all
reversals of partial approval amount transactions.

041 Card Acceptor/Merchant Terminal Identification

Definition Unique value identifying a terminal at the card acceptor/merchant

location.
Acquirer
■ 010x, 0110, 012x, Required

020x, 0210, 022x,
042x

042 Card Acceptor/Merchant Identification Code

Definition Code identifying the card acceptor/merchant, which defines the

point of the transaction in both local and interchange
environments.
Acquirer
■ 010x, 012x, 020x, Conditional STAR point of sale and bill payment Acquirer
022x, 042x Processors must supply a unique value for
each merchant or merchant location.
■ 0110, 0120 Conditional ■ STAR NE Platform: Returned to acquirers.
■ STAR SE/W Platforms: Not returned to

acquirers.
Issuer
■ 010x, 012x, 020x, Conditional ■ STAR NE Platform: Will be sent to issuers

022x, 042x if available.
■ STAR SE/W Platform: By default will not

be sent to issuers for most transaction
types. By special request, can be
configured to be sent if available.

by STAR for late responses.

042 Card Acceptor/Merchant Identification Code (cont.)

Processing Rules ■ For message types 010x, 012x, 020x, 022x and 042x, if
Positions 1 and 2 of Processing Code (DE 003) contain ‘00’, ‘20’,
‘50’ or ‘56’, then DE 042 must be present except for ATM
alternate media transactions.
■ If an Issuer receives invalid data element content in this (or any

other) field on a request message, then the Issuer should deny
the transaction in the 0110/0210 response message using
Response Code 30 (format error). Issuers receiving invalid data
element content in a reversal or advice message must still
acknowledge the message with a 0230/0430 with a Response
Code 00 (approved).
■ Issuers that participate in other networks via STAR software

may receive special characters in DE 042. See the STAR ISO
8583 Gateway/Product Interface Guide for additional
information.
043 Card Acceptor Location

Definition The location of the card acceptor/merchant, which defines the

point of sale in both a local and interchange environment.
Card acceptor/merchant name and location must be subdivided

as follows:
■ 1-23 Address
■ 24-36 City
■ 37-38 State (alpha representation).
■ 39-40 Country (must use 2-character alpha representation).

See Chapter 16: Country/Currency/State Codes.
For Money Transfer OCTs:
■ 1-25 Sender’s Name
■ 26-38 “VISA TRANSFER”

043 Card Acceptor Location (cont.)

Acquirer
■ 010x, 012x, 020x, Required

022x
■ 042x Conditional Must be returned by an acquirer if the

Issuer supplied it in the 0110 or 0210
message.
Issuer
■ 010x, 012x, 020x, Required

022x

receive this element in a reversal.
■ 042x Conditional ■ For reversals for late responses, STAR

processing will send if the Issuer returned
in the 0110/0210.
■ For acquirer-generated reversals, STAR

processing will send if Acquirer supplies it.
Processing Rules ■ Transactions acquired at networks behind STAR Networks may

be passed to Issuers without certain subfields, such as State or
Country. Therefore, Issuers should not edit for the presence of
all subfields.
■ If their cardholders use terminals located on US Military bases

in foreign countries, Issuers may (or may not) receive a value
of ‘XX’ in the State code subfield and a value of ‘US’ in the
Country Code subfield (as several networks require this).
■ Acquirers of transactions for terminals located on US Military

bases in foreign countries must populate the State subfield with
‘XX’, and must also populate the Country subfield with ‘US’. This
will enable STAR Networks to comply with other networks'
requirements.

044 Additional Response Data

STAR Element Format LLV AN-25
Definition Field used to provide additional information in response

messages. Specifically, DE 044 is used:
■ for format edit responses.
■ for providing additional information in responses.
■ for responses to negative file status inquiries (STAR SE/W

only).
For format edit error responses:
Acquirer
■ 0110, 0130, 0210, Conditional May be used by STAR processing to provide

0230, 0430 information about the nature of edit errors
in conjunction with Response Code (DE 039)
of ‘30’. Positions 1-3 will include either:
■ The data element field number in error

OR
■ ‘236’ = Invalid pseudo-terminal
◆ STAR NE Platform: Invalid DE 063

pseudo-terminal data.
◆ STAR SE/W Platform: Invalid

combination of DE 032 and DE 058
terminal type; else unacceptable
Acquirer Network ID received in DE 063.
■ 0430 Conditional A value of ‘201’ may be used by STAR

Networks to indicate that the reversal could
not be matched to an original transaction.
Issuer
■ 0110, 0210 Conditional May be used by Issuers to provide

information about the nature of edit errors
in conjunction with Response Code (DE 039)
of ‘30’. Positions 1-3 should include the data
element field number which is in error.

044 Additional Response Data (cont.)

For providing additional information in responses:
Acquirer/Issuer
■ 0110, 0210 Conditional May be used to provide additional

information in this format:
■ 1-10 phone
■ 11-25 additional response data
For responses to negative file status inquiries (SE/W Platforms only):
Issuer
■ 0312 Conditional In response to the Card-Issuer Processor’s

0302 inquiry, STAR will return the status
code for the PAN in the negative file.
Processing Rules See the STAR ISO 8583 Gateway/Product Interface Guide for
information on how DE 044 is used in response messages for the
STAR CHEK® Direct.
Platform Distinction DE 044 is not used with negative file status inquiries on the STAR
NE platform.
045 Track 1 Data

STAR Element Format LLV ANS-76
Definition The information encoded on Track 1 of the magnetic stripe as

defined in ISO 7813, including field separators but excluding
beginning and ending sentinels and LRC characters as defined
therein.
Issuer
■ 010x, 012x, 020x, Conditional May be received in transactions acquired

from links and gateways.
■ 0110, 0210 Conditional Must be returned in the response if received

in the request.
■ 022x Conditional For stand-in advices, passed if available.

Not passed in pre-authorized completions.

045 Track 1 Data (cont.)

■ 042x Conditional ■ May be sent for switch-generated reversal
advices resulting from edit errors found in
the issuer’s response message.
■ Will not be sent for acquirer-generated

reversals.
Processing Rules STAR Acquirers should not send in DE 045.
047 Additional Data, National

STAR Element Format LLLVAR ANS…100
Definition A multi-purpose data element that can be put to various uses in

transferring data.
Acquirer/Issuer
■ 0100, 0110, 0200, Conditional Presence in messages depends on usage.

0210, 0220, 0420
Format Format varies depending on usage.
Processing Rules ■ See the STAR ISO 8583 Gateway/Product Interface Guide for
■ Visa Usage - Only supported on the STAR SE/W Platform.
■ MasterCard Usage - Supported on STAR NE/SE/W Platform.

048 Member Institution/Merchant Name

STAR Element Format LLLV ANS-025
Definition Name of the Member financial institution that owns the ATM, or
name of the Merchant where the POS terminal is located or the
ATM sponsoring institution.
Acquirer
■ 010x, 012x, 020x, Required

022x
■ 0110, 0210 Conditional ■ STAR NE Platform: Will not be returned to

acquirers.
■ STAR SE/W Platform: By default will not

be returned to acquirers. By special
request, can be configured to be returned.
■ 0420 Conditional Send if available.
Issuer
■ 010x, 012x, 020x, Conditional Sent to Card-Issuer Processors if available

022x (as non-STAR networks may not send)

by STAR processing for late responses.
■ 0421 Conditional Will be sent, if available.
Processing Rules ISO Acquirer Processors should limit the use of special characters.

049 Currency Code, Transaction

Definition Code defining the local currency of the acquirer. The currency
used in Amount, Transaction (DE 004) and Amount, Transaction
Fee (DE 028).
Acquirer/Issuer
■ 010x, 0110, 012x, Required

0130, 020x, 0210,
022x, 0230, 042x,
0430
Processing Rules See Chapter 16: Country/Currency/State Codes in this manual.
050 Currency Code, Settlement

Definition Code defining the currency of Amount, Settlement (DE 005) and
Amount, Settlement Fee (DE 029).
Acquirer/Issuer
■ 010x, 0110, 012x, Conditional Required if Amount, Settlement (DE 005) is

0130, 020x, 0210, included in message.
022x, 0230, 042x,
0430
■ This value will be ‘840’.
■ See Chapter 16: Country/Currency/State Codes in this manual.

051 Currency Code, Cardholder Billing

Definition Code defining the currency of Amount, Cardholder Billing (DE

006).
Issuer

Assessment fee.
■ 0130, 0230, 0430 Optional
Acquirer

response.
■ See Chapter 16: Country/Currency/State Codes in this manual.
Platform Distinction Currently, STAR NE does not support this field.

052 Personal Identification Number (PIN) Data

STAR Element Format Binary, 8 bytes, or 16 hex bytes if numeric packing option not set.
Definition A number assigned to a cardholder intended to uniquely identify

that cardholder at the point of service.
Acquirer/Issuer
■ 010x, 020x Conditional ■ Required if device accepts PIN data.
■ Conditional for Signature Debit

Transactions.
■ All STAR ATM & POS Acquirer Processors

must transmit the PIN field unless:
◆ Request is generated from an

administrative terminal – see DE 058
positions 9 and 10
OR
◆ Request is a resubmission of a merchant

authorized transaction. (Optional: see
Chapter 2: Operational Considerations)
OR
◆ Request is for a Product that is defined

as PIN-less, such as STAR Bill Payment
or STAR Interbank Transfer Credit.
054 Additional Amounts

Definition Information on up to six amounts and related account data for

which specific data elements have not been defined. Field
breakdown, occurring six times, is defined below.
Acquirer
■ 010x, 012x Optional

054 Additional Amounts (cont.)

■ 010x, 020x, 022x, Conditional Required for STAR-acquired transactions
042x (using Amount Type ‘40’) when “cash back”
and/or negotiable items (quasi-cash or
scrip) are being processed.
■ 0110 Conditional ■ For 0110 pre-authorizations for which the

issuer approves an amount which is less
than the requested amount:
◆ STAR SE/W Platforms:
• If acquirer did not pass DE 063.7

(Processing Flags) in the 0100
request, then DE 054 will be included
in the 0110 pre-authorization
response message (with amount type
'58') to identify the amount
authorized by the issuer.
• If acquirer did pass DE 063.7

request, then DE 054 will be included
in the 0110 pre-authorization
'91') to identify the original request
amount. (DE 004 will carry the
approved amount.)
◆ STAR NE Platform:
◆ DE 054 will be included in the 0100

pre-authorization response message
(with amount type ‘58’) to identify the
amount authorized by the Issuer.


■ 0210 Conditional For 0210 responses for which the issuer
approves an amount which is less than the
requested amount:
■ STAR SE/W Platforms:

'91') to identify the original request
amount. (DE004 will carry the approved
amount.)
■ STAR NE Platform:

‘58’) to identify the amount authorized
by the Issuer.
■ 022x Conditional SE/W Platforms only: Required in

STAR-acquired pre-authorized completion
messages (using Amount Type ‘57’) to
identify the amount originally authorized by
the Issuer in the 0110 response.


■ 042x Conditional ■ For reversals of 0110 pre-authorizations
for a partial amount:
• If acquirer did not pass DE 063.7

request, then DE 054 must be sent
and include the amount type '58' with
the amount originally authorized by
the issuer.
• If acquirer did pass DE 063.7

request, then DE 054 should not be
sent for amount type '58'.
• DE 054 must be sent and include

amoutn type ‘58’ with the amount
originally authorized by the Issuer.
■ For reversals of 0210 responses for a

partial amount:
• Acquirer need not send DE 054 (but

must reverse the entire amount that
had been approved in DE 004).
• DE 054 must be sent and include

amount type ‘58’ with the amount
■ For reversals of transactions which

contained DE 054 in the 0100/0200
requests - such as for amount type 40 for
cash back - then DE 054 must be sent
with those same amount fields.
Issuer
■ 010x, 012x Conditional May be received if acquirer sends.


■ 010x, 020x, 022x, Conditional For STAR-acquired transactions, will be
042x present (with Amount Type ‘40’) when “cash
back” and/or negotiable items (quasi-cash
or scrip) are being processed.
■ 022x Conditional SE/W Platforms only: May be present in

STAR-acquired pre-authorized completion
messages (with Amount Type ‘57’) to
identify the amount originally authorized by
the Issuer in the 0110 response.


■ 042x Conditional ■ For reversals of 0110 pre-authorizations
for a partial amount:
• If Issuer sends DE 054 in 0110 with

amount type '58' to convey amount to
be authorized, then DE054 will
present in the reversal with amount
type '58'.
• If Issuer does not send DE 054 in the

0110 with amount type '58' to convey
the amount to be authorized, then
DE054 will not be present in the
reversal with amount type '58'.
◆ STAR NE Platform
• DE 054 will be sent and include

■ For reversals of 0210 responses for a

partial amount:
• Issuer will likely not receive DE 054

(as acquirers may only fully reversal
partial amount approvals).
• DE 054 will be sent and include

■ For reversals of transactions which

contained DE054 in the 0100/0200
requests - such as for amount type 40 for
cash back - then DE 054 will be sent with
those same amount fields.
■ 0110, 0210 Conditional Issuers may return account balances in

declined POS transactions. (Some acquiring
networks require this for declined prepaid
card transactions.)
Format Position 1-2 ■ Account Type (AN 2)


Position 3-4 ■ Amount Type (AN 2)
Position 5-7 ■ Currency Code (N3)
Position 8-20 ■ Sign and amount (X + N12) where:

X = sign indicator
◆ ‘C’ (for positive or zero balances or for

fees that are credits to the cardholder or
issuer).
◆ ‘D’ (for negative balances or for fees

that are debits the cardholder or issuer)
nnnnnnnnnnnn = amount
■ Right-justified, zero-filled
■ Assumes 2 decimal places for US dollar

amounts.
Processing Rules ■ Issuer Members shall not transmit through the STAR Network
any positive Available Balance or POS Balance that includes
amounts available through an overdraft protection program,
other than a line of credit that is subject to Regulation Z, in
response to an Authorization request for a Balance Inquiry or
for any other purpose.
■ For transactions acquired by networks other than STAR, Issuers

cannot rely upon receiving DE 054 with Amount Type ‘40’
conveying the amount of a negotiable item (i.e., quasi-cash or
scrip). Quasi-cash or scrip transactions, when received from
Visa/Interlink, will be passed to STAR Issuers with a processing
code of 11 xx 00. Quasi-cash or scrip transactions acquired by
other networks may need to be distinguished based upon other
data elements such as Merchant Type (DE 018).
■ The sign indicator for STAR cash back amounts should be set to
‘C’ (positive amount).
■ See Chapter 10: Data Element 054: Additional Amounts in this

manual for additional details.
■ For transaction response messages that are being approved for

a partial amount, the content of DE 054 for amount type ‘91’
(amount of original request) must use the currency code and
associated amount of the acquirer (i.e., DE 049 - currency
code, transaction and DE 004 - amount, transaction).


■ STAR SE/W Platforms only: When the Response Code (DE
039) is ‘10’, then (assuming new methodology) DE 054 must
include the original requested amount, specified as follows:
◆ Account Type ‘00’ for prepaid cards, or else the ‘From

Account’ type from positions 3 – 4 of DE 003 (Processing
Code) in the response message
◆ Account Type ‘91’ (original amount)
◆ The local (acquirer) currency code for DE 049 of the request

message
◆ The local (acquirer) currency amount from DE 004 of the

request message
■ For issuers that return balances in 0110 and 0210 response

messages, the DE 054 sub-elements will need to be populated
as follows:
◆ Account Type ‘00’ for prepaid cards, or else the ‘From

Account’ type from positions 3 – 4 of the DE 003 (Processing
Code) in the response message
◆ Amount Type ‘02’ (account available balance) for prepaid

cards, or else ‘01’(ledger balance) and/or ‘02’ for all other
non-prepaid cards
◆ Currency Code ‘840’
◆ Balance Amount

055 Additional Fees

Definition Information for up to four fees may be contained in this data

element. The amounts contained in this field will be handled
differently (with regard to funds movement to and impact to
cardholder accounts) based upon the fee type, settle/memo
indicator, and amount sign indicators.
Issuer
■ 010x, 012x, 020x, Optional / For Issuers who have opted to receive this
022x, 042x Conditional field, it will be present when any additional
fee amounts are available in the message.
■ 0110, 0130, 0210, Conditional Required if the Additional Fees data element
0230, 0430 is received in the request. The response
value must be the same as the value in the
request.
Values Position 1-2 Fee Type ■ ‘00’ = Transaction

Fee. First amount
is in transaction
currency and
second amount is
in settlement
currency.
■ ‘15’ = Currency
Conversion
Assessment (CCA
fee). First amount
is in cardholder bill
currency and
second amount is
in settlement
currency.

055 Additional Fees (cont.)

Position 3 Settle/Memo ■ ‘0’ = Card-Issuer
Indicator processor should
not apply this fee
to cardholder
account. This is
appropriate for
POS interchange
fees (as the issuing
bank retains such
fees). STAR moves
POS interchange
fees to issuing
bank as part of
daily settlement
processing.
■ It is also
appropriate to not
charge the
cardholder
separately for fee
type ‘15’ (CCA) as
this fee is already
contained in the
transaction
amount.
■ '1' = Card-Issuer
processor should
apply this fee (in
addition to the
transaction
amount) to the
cardholder
account. Such
handling is
appropriate for
surcharge fees. (At
this time, STAR
uses only DE 028
and DE 029 for
surcharge fees.)

055 Additional Fees (cont.)

Position 4 Decimalization ■ ‘0’
Indicator
Position 5-13 Fee Amount ■ X + N8
■ See notes under

Position 1-2, Fee
Type to determine
which currency is
used to represent
the fee amount.
Position 14-22 Settle Fee Amount ■ X + N8
Processing Rules ■ Numeric (except for sign indicator).
■ Each fee amount field is right-justified, zero-filled.
■ Assumes 2 decimal places for US dollar amounts. For non-US

dollar amounts, decimal position is per ISO standard (usually,
but not always, 2 positions).
■ X (sign indicator):
◆ 'C' = Credit to the cardholder or issuer
◆ 'D' or '0' = Debit to the cardholder or issuer
■ In reversals, the sign indicator is reversed to indicate reversal

of the amount.
■ For full reversal transactions, DE 055 will reflect the reversal of

the full fee amounts.
■ For partial reversal transactions, DE 055 will likewise reflect the

reversal of the full amounts; however, for such transactions,
the content of DE 056 becomes the actual amount of the fees to
be associated with the portion of the transaction amount that
was not reversed.
■ The STAR ISO 8583 Gateway/Product Interface Guide provides

additional processing information for Gateway processing.

056 Replacement, Additional Fees

Definition Used only in support of partial amount reversals. It will be used

together with DE 055:
■ DE 055 will have reversed sign indicators and amounts equal to

those in the original transaction, to reflect a full reversal of the
original amounts.
■ DE 056 will contain revised amounts that are appropriate for

the actual transaction amount. The sign indicators in DE 056
will be consistent with those that were used in DE 055 in the
original request.
Issuer
■ 0420 Optional / For Issuers who have opted to receive this

Conditional field, it will be present in partial amount
reversals when additional fee amounts are
available in the message.
■ 0430 Conditional Required if received in the 0420 reversal.

The values must be the same as those
received in the reversal.
Values Position 1-2 Fee Type ■ ‘00’ = Transaction

Fee. The first
amount is in the
transaction
currency and the
second amount is
in the settlement
currency.
■ ‘15’ = Currency
Conversion
Assessment
(MasterCard CCA
fee). The first
amount is in the
cardholder bill
currency and the
second amount is
in the settlement
currency.

056 Replacement, Additional Fees (cont.)

Position 3 Settle/Memo ‘0’ = Card-Issuer
Indicator processor should not
apply this fee to the
cardholder account.
This is appropriate
for POS interchange
fees (as the issuing
bank retains such
fees). STAR moves
POS interchange fees
to the issuing bank
as part of daily
settlement
processing.
It is also appropriate
to not charge the
cardholder
separately for fee
type ‘15’ (CCA) as
this fee is already
contained in the
transaction amount.
‘1’ = Card-Issuer
processor should
apply this fee (in
addition to the
transaction amount)
to the cardholder
account. Such
handling is
appropriate for
surcharge fees. (At
this time, STAR uses
only DE 028 and DE
029 for surcharge
fees.)
Position 4 Decimalization ‘0’

Indicator

056 Replacement, Additional Fees (cont.)

Position Fee Amount X + N8
5-13
See notes under
Position 1-2 Fee
Type to determine
which currency is
used to represent
the fee amount.
Position Settle Fee Amount X + N8

14-22
Processing Rules ■ Numeric (except for sign indicator).
■ Each fee amount field is right-justified, zero-filled.
■ Assumes 2 decimal places for US dollar amounts. For non-US

dollar amounts, decimal position is per ISO standard (usually,
but not always, 2 positions).
■ X (sign indicator):
◆ ‘C’ = Credit to the cardholder or issuer
◆ ‘D’ or ‘0’ = Debit to the cardholder or issuer
■ In partial reversals, X will match DE 055 sign indicator in the

original request.
■ The STAR ISO 8583 Gateway/Product Interface Guide provides

additional processing information for Gateway processing.

057 Authorization Life Cycle

STAR Element Format LLLV N-003
Definition Authorization life cycle – a value in calendar days, hours, or

minutes which defines the time period for which an Acquirer is
requesting guarantee of funds.
Acquirer/Issuer
■ 010x Required ■ Pre-authorizations must be set at two (2)

hours to comply with STAR Operating
Rules. Thus, the proper setting for this
field is ‘202’.
■ Values may vary between other networks.
■ 0110 Optional Required if needed in reversal for late or

■ 042x Required If provided in the original 0100.
Format Position 1 Life Cycle Indicator ‘1’ = Calendar Day
‘2’ = Hours
‘3’ = Minutes
Position 2-3 Actual Interval Time interval – # of

days, hours, or
minutes

058 National Point-Of-Service Condition Code

Definition Provides additional information regarding the disposition of the

transaction, customer, terminal.
Acquirer/Issuer
■ 01xx, 02xx, 04xx Required
Format Position 1 Terminal Class - Terminal Operation
Position 2 Terminal Class - Customer Operation
Position 3 Terminal Class - On/Off Premise
Position 4 POS Condition Code - Presentation Data:

Cardholder Presence Indicator;
Purchase/Order/ Payment Type Indicator

Card Presence Indicator

Card Retention/Capture Capability
Indicator

Presentment Indicator
Position 8 Security Condition
Position 9-10 POS Condition Code/Terminal Type
Processing Rules ■ See Chapter 11: Data Element 058: National Point of Service A
for additional information.

059 National Point-Of-Service Geographic Data

STAR Element Format LLLV AN-017
Definition National Point-of-Service – A series of codes to identify the state,

county, postal service code, and country code geographic data
where the ATM or Point-of-Service device is physically located.
Acquirer
■ 010x, 012x, 020x, Conditional This is a mandatory data element for some
022x, 042x networks (access to which may be provided
by STAR).
Issuer
■ 0110, 0210 Optional Required if needed in reversal for late or

■ 013x, 023x, 043x Optional
Format Position 1-2 State Code (2N)
Position 3-5 County Code (3N)
Position 6-14 Postal Service Code (5-9AN)
Position 15-17 Country Code (3N)

059 National Point-Of-Service Geographic Data (cont.)

Processing Rules ■ This element is not required for STAR Acquirer Processors
unless participating in another network that requires it. See the
STAR ISO 8583 Gateway/Product Interface Guide.
■ STAR SE/W Card-Issuer Processors may request to be

configured to receive this field if they participate in any of
STAR's gateways or links.
■ If County Code is unavailable, this sub-element may be

zero-filled if later sub-elements are included. If Country Code is
included, blank-fill any unused Postal Service Code positions.
■ If their cardholders use terminals located on US Military bases

in foreign countries, and if Issuers are configured to receive
DE 059, then Issuers may (or may not) receive a value of “99”
in the State code subfield (as several networks require this).
■ Acquirers of transactions for terminals located on US Military

bases in foreign countries and who send in DE 059, must
populate the State subfield with “99”. This will enable STAR to
comply with other networks' requirements.
Platform Distinction ■ DE 059 is not currently sent to Issuers on the STAR NE

Platform.

060 Advice / Reversal Code

Definition Defines the reversal and/or advice reason codes.

Acquirer/Issuer
■ 012x, 022x, 042x Required
Format Position 1-2 The hexadecimal character representation

of a bit map indicating the presence of the
following subfields:
■ ‘80’ = Reversal reason present.
■ ‘40’ = Advice reason present.
■ ‘C0’ = Both reversal and advice reason

subfields are present.
Position 3-4 ■ If the bit map indicates that only one

reason code is present, that value will
appears in positions 3-4 (i.e., either a
reversal reason or an advice reason
code).
■ Formats:
◆ ‘80RR’ where RR is a valid reversal

code.
◆ ‘40AA’ where AA is a valid advice code.
Position 5-6 ■ Is only populated if the bit map value is

C0. In such instances, the advice reason
code appears in positions 5-6 (and the
reversal code appears in positions 3-4).
■ Format: ‘C0RRAA’ where RR is a valid

reversal code, and AA is a valid advice
code.
Processing Rules ■ For a reversal, STAR Acquirer Processors should send only a
reversal reason
■ For an advice, STAR Acquirer Processors should send only an

advice reason

060 Advice / Reversal Code (cont.)

Processing Rules ■ For a reversal of an advice, STAR Acquirer Processors should
(continued) send both the reversal and advice reason sub-elements
■ STAR Acquirer Processors should not send in values of 3, 4, or 9

in position 1 of the reversal reason code field, as these values
are to be assigned by the STAR. (Networks behind STAR,
however, may also assign a value of 3.)
■ STAR POS Acquirer Processors supporting a pre-authorization

request (0100/0101) and financial transaction advice (0220/
0221) should set the advice reason code value to '24' in the
022x advice
■ STAR POS Acquirer Processors are not permitted to send in

0120 approval advices, nor are they permitted to send in 0220
force post approval advices for transactions that did not have
an associated 0110 approval response. For this reason, STAR
POS Acquirer Processors may not send in advice reason code
position 2 values of 5, 6, or 7
■ STAR SE/W Platforms Only: STAR Card Issuer Processors that

transmit a 0110 or 0210 response message that fails STAR
switch data element edits will receive a 0420 reversal message
with a reversal reason code of '30'
■ STAR Card Issuer Processors may receive denial and/or force

post advices with advice reason code values of "31", "32", or
"33" for transactions STAR switch declines when the Card
Issuer Processor does not respond (or respond timely) to
transaction requests
■ Networks behind STAR may send both sub-elements in a

reversal or an advice, so STAR Card Issuer processors should
be prepared to accept zeros in either sub-element. Additionally,
networks behind STAR may use reversal and advice reason
code values other than the values used by STAR. For this
reason, STAR Card Issuer Processors should not limit their
ability to accept values to only those listed in Chapter 12.

060 Advice / Reversal Code (cont.)

Processing Rules ■ STAR NE Platform ony
(continued)
◆ An advice code of ‘CV’ indicates the STAR NE Switch has
denied a transaction due to invalid CV value on the issuer’s
behalf
◆ An advice code of ‘AT’ indicates the STAR NE Switch has

denied a transaction on the issuer’s behalf due to invalid ATC
counter.
◆ Ad advice code of ‘DB’ indicates the advice is a notification of

a foreign deposit acquired at one of the processor’s STAR
driven ATMs
■ STAR SE/ W Platforms only: An advice code of ‘34’ in

conjunction with a response code (DE 039) value of ‘05’,
indicates a CV Threshold limit has been reached
■ Chapter 12: Data Element 060: Advice/Reversal/Reason Code

in this manual indicates further values, and additional
information
061 Acquirer Transport Data

Definition Free format data of up to 100 bytes that will be echoed to the
Acquirer Processor in the response to their request.
Acquirer/Issuer
■ 010x, 012x, 020x, Optional

022x, 042x
■ 0110, 0130, 0210, Conditional Required if received in request.

0230, 0430
Processing Rules This field will not be passed on to the Card-Issuer Processor.

062 Issuer Transport Data

Definition Free format data of up to 100 bytes that will be echoed to the
Card-Issuer Processor in response to their request.
Acquirer/Issuer
■ 0302, 0312 Conditional Required for signature debit clients that

have elected to send negative file messages
online through the STAR network to Visa or
MasterCard.
■ 0302, 0312 Optional
Processing Rules ■ This field will not be passed on to the Acquirer Processor.
■ See the STAR ISO 8583 Gateway/Product Interface Guide,

Chapter 5: Data Element 62: Issuer Transport Data for
063 STAR Identification Data

Definition This data element provides STAR-defined information.
Format - Fixed Data
Length Description
2 Data Byte Map
Format - Variable Data
Length Byte Map/POS Description Bit Number

Value
6 1/8 Pseudo Terminal ID 1
3 1/4 Issuer Network ID 2
3 1/2 Acquirer Network ID 3
6 1/1 Processor ID 4

063 STAR Identification Data (cont.)

2 2/8 Auth Timeout (not 5
used for STAR
transactions)
15 2/4 Open Account (not 6

used for STAR
transactions)


5 2/2 Processing Flags 7
■ Position 1:
Externally settled
transaction
indicator (not used
for STAR
transactions).
◆ Values = Space
or ‘0’
◆ Position 2:
Reserved for
Future Use
■ Value = Space
■ Position 3:
Merchant partial
amount approval
capability.
Values:
◆ Space or ‘0’:
Merchant
terminal does
not support
receipt of partial
approvals.
◆ 1: Merchant
terminal
supports receipt
of partial
approvals.
■ Positions 4-5:
Reserved for future
use.


Sub-element Message Type Disposition Condition
Pseudo Terminal ID
Acquirer/Issuer
■ 010x, 0110, Required

012x, 0130,
020x, 0210,
022x, 0230,
042x, 0430
Issuer Network ID
Issuer
■ 0100, 0120, Optional

0200, 0220,
0420
■ 0110, 0210 Conditional May be returned in

response if received
in the request.
Acquirer
■ 0110, 0210 Optional

advice if received in
response.
Acquirer Network ID
Issuer
■ 0100, 0120, Optional/Mandatory ■ STAR SE/W:

0200, 0220, Optional for
0420 Issuers to receive.
■ STAR NE:
Mandatory for
Issuers to receive.

response if received
in the request.


Acquirer
■ 0100, 0200 Conditional ■ STAR SE/W

platforms,
permitted only:
◆ With STAR CHEK

Direct product.
◆ When acquirer
processor
represents a link
to another
non-STAR
network.
■ STAR NE platform:
Not used.
■ 0110, 0210 Optional Optional for

Acquirers to receive.
■ 0220, 0420 Conditional ■ STAR SE/W

platforms,
permitted only:
◆ With STAR
CHEK® Direct
product.
◆ When acquirer
processor
represents a link
to another
non-STAR
network.
◆ When received in
response.
■ STAR NE platform:
Not used.
Processor ID
Acquirer/Issuer
■ 0100, 0110, Optional

0120, 0200,
0210, 0220,
0420


Processing Flags
Acquirer
■ 0100, 0110, Optional

0420
■ 0200, 0210 Conditional Required when the

acquiring terminal is
capable of
supporting partial
authorizations.
Issuer
■ 0100, 0110, Optional

0120
■ 0200, 0210, Conditional Required for issuers

0220, 0420 that support partial
authorizations for
financial
transactions.
Processing Rules Pseudo Terminal ID:
■ Value is provided by Acquirer Processor.
■ On the STAR NE Platform, the value to be sent by acquirers

must be coordinated with STAR. It also must be passed in upper
case.
■ On the STAR SE-W Platforms, the value is not edited and will be
changed at STAR to a STAR-assigned value (which is associated
with data provided by the Acquirer in De 032 and DE 058). For
this reason, the pseudo terminal value contained in STAR SE-W
settlement user files may not match the value supplied in the
request.
Issuer Network ID:
■ Tells the Acquiring Processor which network authorized the

transaction.
■ See Chapter 1 in the STAR ISO 8583 Gateway Product Interface

Guide for all valid Issuer Network IDs.


Acquiring Network ID:
■ Tells the Issuing Processor which network acquired the

transaction
■ See Chapter 1 in the STAR ISO 8583 Gateway Product Interface

Guide for all valid Acquiring Network IDs.
■ STAR NE Platform: Acquirer Network IDs not listed in that

chapter are non-gateway STAR NE Acquirers.
Processor ID:
■ Tells the Issuing Processor which network acquired the

transaction
■ Also indicates to the Acquiring Processor which processor

authorized the transaction.
Processing Flags:
■ This sub-field may or may not be present in varying

transactions.
■ Used to indicate to the issuer whether or not the acquirer is

capable of handling a partial amount authorization.
■ For financial transactions (message type 0200/0210), issuers

should not return partial amount approval for transactions for
which position 3 of Processing Flags is not equal to ‘1’.
■ If sent by the acquirer and/or received by issuer in an advice

(0220 or 0420) transaction, the transaction must be processed,
regardless of the content of this field.

070 Network Management Information Code

Definition Used to identify network status in network management

messages.
Acquirer/Issuer
■ 0800, 0810, 0620 Required
Format Code Processor Switch Initiated

Initiated
■ 0800, 0810 ‘005’ Unsupported Unsupported
‘061’ Signon as Issuer/ Signon as Acquirer

Authorizer Processor
‘071’ Signon as Acquirer Signon as Issuer

Processor
‘062’ Signoff as Issuer/ Signoff as Acquirer

Auth. Processor
‘072’ Signoff as Acquirer Signoff as Issuer

Processor
‘161’ Unsupported Acquirer working key

change
‘171’ Unsupported Card-Issuer working

key change
‘181’ Acquirer Key change Not supported

request
‘191’ Issuer Key change Not supported

request
‘261’ Unsupported Acquirer Processor,

End of day
‘262’ Cut-off complete as

Authorizer (STAR
CHEK Direct only)

070 Network Management Information Code (cont.)

‘271’ Unsupported Authorizer/Issuer
Processor, End of
day
‘272’ Cut-off complete as

Acquirer (STAR
CHEK Direct only)
‘361’ Issuer/Authorizer Acquirer Processor

handshake/echo test handshake/echo test
‘371’ Acquirer Processor Issuer handshake

handshake/echo test echo test
■ 0620 ‘900’ Message format Message format

syntax error syntax error
Processing Rules Valid Network Management Code Required.
090 Original Data Elements

Definition The data elements contained in the original message, intended to

identify a transaction for correction or reversal. These five
sub-elements are in fixed length format totaling 42 numerics.
Absence of data is indicated by zeros.
Acquirer/Issuer
■ 042x, 0430 Required
Format Attribute Position Notes
N4 1-4 Original Message Type, echoed from

original 010x, 020x or 022x.
N6 5-10 Original System Trace Audit number.
N10 11-20 Original transmission date (DE 013) and

time (DE 012).
N11 21-31 Original acquiring institution identification

code.
Zero-filled if acquired by STAR.

090 Original Data Elements (cont.)

N11 32-42 Original forwarding institution
identification code. (Zero-filled if acquired
by STAR.)
Processing Rules ■ The first three sub-elements are supported by STAR. The
remaining two sub-elements must be zero-filled. If an Acquirer
Processor zero-fills either the Original system trace audit
number or the Original transmission date and time, the Switch
will replace the zeros with data contained from DE 011 and
DE 007.
■ 022x reversal is only permitted when acquired from a link or

Gateway.
■ STAR CHEK Direct only: Outbound messages contain the

original message type. The system trace audit number and local
date/time are sent if available. Absence of data is indicated by
zeros. Routing and transit fields will be right-justified,
zero-filled.
091 File Update Code

Definition Indicates to the Switch which procedure to follow. The following

codes are utilized in negative file maintenance at the STAR
Switch.
Acquirer/Issuer
■ 0302, 0312, 0322 Required
Value Code Description
‘1’ Add record
‘2’ Change/Update record
‘3’ Delete record
‘5’ Inquiry
Processing Rules Valid value required for negative file update.

095 Replacement Amounts

Definition The replacement amounts necessary to perform a partial or

over-dispense reversal on a financial transaction. The four
sub-elements are in fixed length format totaling 42 characters.
Absence of data is indicated by zeros.
Acquirer/Issuer
■ 042x, 0430 Conditional
Format Attribute Position Notes
N-12 1-12 Actual Amount, Transaction: the amount

dispensed in the currency of the Acquirer
Processor if the transaction was acquired
internationally.
N-12 13-24 Actual Amount, Settlement: in US

currency.
X + N-8 25-33 Actual Amount, Transaction Fee: the

transaction fee in the currency of the
Acquirer Processor if the transaction was
acquired internationally.
X + N-8 34-42 Actual Amount, Settlement Fee.
■ All four (4) sub-elements will be present. Actual Amount,

Transaction and Actual Amount, Settlement will be the same if
the transaction was performed in US currency.
■ In the case where an over-dispense occurs, Actual Amount,

Transaction or Actual Amount, Settlement will exceed Amount,
Transaction (DE 004).
■ STAR Point of Sale Acquirer Processors may generate partial/

overdispense reversals from ATM multi-media device types.

095 Replacement Amounts (cont.)

Processing Rules ■ Signed Numeric.
■ X must be ‘C’ (Credit to the cardholder) or ‘D’ (Debit to the

cardholder).
■ Over- and under-dispense reversals are supported via an 0420

message, not as an additional debit transaction.
■ DE 095 should be populated with the amount actually dispensed

(e.g., an amount greater or less than the original amount
requested).
■ DE 095 should not be populated with amount equal to the

original amount in DE 004 or DE 005, because if the amount
dispensed equaled the amount requested, then reversal would
have no net effect.
■ Zero-dollar reversals (where the amount in DE 004 or DE 005 is

zero) are not permitted.
096 Message Security Code

Definition A verification value transmitted between a message originator

and a message receiver, used to verify that the message
originator is authorized to originate messages on the interface.
This value is Switch-assigned.
Acquirer/Issuer
■ 0302, 0800 Required STAR CHEK® Direct only: 0302 is not

used.
Format AN-5 Left-justified, blank-filled.

100 Receiving Institution Identification Code

Definition Unique to STAR CHEK® Direct. This field is used to determine the
authorization entity for routing.
Acquirer/Issuer
■ 0100, 0120, 0200, Required All STAR CHEK® Direct check transactions.
0220, 0420
■ 0110, 0210 Conditional ■ STAR SE/W: Switch returns this field to

the acquirers. Issuers do not need to
return it in a response.
■ STAR NE: Optional.
Processing Rules Should contain the check’s 9-digit Routing and Transit number.
101 File Name

Definition The actual or abbreviated name of the file being accessed.

Acquirer/Issuer
■ 0302 Required
■ 0322, 0382, 0392 Required STAR NE Platform only
■ 0332, 0392, 0394 Conditional STAR NE Platform only

101 File Name (cont.)

Processing Rules STAR SE/W Platforms:
■ For 0302, must be 'PI-NEGATIVE'.
STAR NE Acquirer:
■ 0302:
◆ For negative file update request, must be 'PI-NEGATIVE'.
◆ For ATC reset request, must be 'ATC-RESET'
■ 0312:
◆ STAR NE does not echo DE 101 in 0312 replies.
■ 0382:
◆ For card activation request, must be 'CARD ACTIVATION'
◆ For PIN offset file update request, must be 'OFFSET FILE'
■ 0392:
◆ STAR NE echoes DE 101 in 0392 replies.
STAR NE Issuer:
■ 0302:
◆ For negative file update, will be 'PI-NEGATIVE'.
■ 0322:
◆ For negative file update advice, will be 'PI-NEGATIVE'.
■ 0382:
◆ For card activation notification, will be 'CARD ACTIVATION'
◆ For PIN change request, will be 'PIN CHANGE'
■ 0384:
◆ For PIN change advice, will be 'PIN CHANGE'
■ 0312/0332/0392/0394: DE 101 is optional for STAR NE issuers.

102 Account Identification 1

Definition Series of digits used to identify a customer account or

relationship. Account Identification 1 is primarily used for the
“from” account in a transaction.
Acquirer/Issuer
■ 010x, 0110, 012x, Optional

020x, 0210, 022x
■ 020x Conditional Will be provided in the request for

Co-Operative clients.
■ 042x Conditional Must be returned by Acquirer if Issuer

supplied in the 0110 or 0210 response
message.
103 Account Identification 2

Definition Series of digits used to identify a customer account or

relationship. Account Identification 2 is primarily used for the “to”
account in a transaction.
Acquirer/Issuer
■ 010x, 0110, 012x, Optional

0210, 022x
■ 020x Conditional Will be provided in the request for

Co-Operative clients.
■ 042x Conditional Must be returned by Acquirer if Issuer

supplied in the 0110 or 0210 response
message.

104 Transaction Description

Definition Data describing additional characteristics of the transaction for

billing and other purposes.
Acquirer
■ 010x, 012x, 020x, Conditional ■ Required for STAR POS Acquirer

022x, 042x Processors on all transactions except
POS balance inquiries.
■ Required for Point of Sale (POS)

Acquirer Processors who access
Interlink through their STAR connection.
■ Required for STAR ATM alternate media

transactions.
■ 0110, 0210 Conditional Will be returned to acquirer if received in

request.
Issuer
■ 010x, 012x, 020x, Conditional ■ Will be sent to issuer for POS transactions.
022x, 042x

by STAR processing for late responses.

104 Transaction Description (cont.)

Format ■ Position 1 - The Interlink Interchange Group Identifier can have
the following values:
◆ “N” = Acquirer Processor does not participate in Interlink

through STAR
◆ ‘W” = Pre-existing qualified Interlink supermarket (SE/W

only)
◆ “X” = Pre-existing Interlink merchant (SE/W only)
◆ “Y” = Qualified Interlink supermarket (SE/W only)
◆ “Z”= Standard Interlink merchant (SE/W only)
■ Position 2-4 STAR Interchange Group Identifier
◆ Left justified, variable length (1-3 bytes)
◆ If Position 5 (Aggregration Indicator) is not present, then

trailing spaces are dropped.
◆ If the Aggregation Indicator is present then
◆ A 1-byte STAR Interchange Group identifier is followed by

spaces in positions 3-2.
◆ A 2-byte STAR Interchange Group Identifier is followed by

one space in position 4.
■ Position 5 - Aggregation Indicator

This subfield may or may not be present.
If present, valid values include:
◆ “Y” - Transaction in an aggregated transaction
◆ “N” - Transaction is not an aggregated transaction.
Processing Rules ■ DE 104 must be present in alternate media transactions and

reversals. See the Alternate Media section of the STAR ISO
8583 Gateway/Product Interface Guide, Chapter 4 for details
and associated reversals.
■ See Chapter 13 in this manual for valid interchange identifier

values.

Chapter 12 for details on formatting this element in NYCE
Payment transactions.

105 Large Private Data

Definition Private issuer-generated data, delivered in a custom format

depending on issuer’s usage.
Acquirer/Issuer
■ 0100, 0110, 0220, Conditional Presence in messages depends on usage.

0210, 0220, 0420
Format Format varies depending on usage. Consists of a fixed-length

data segment followed by a variable-length segment that may
repeat.
Processing Rules ■ See Chapter 12: Data Element 105: Large Private Data in this
manual for information on current usages of DE 105.

Chapter 11 for details on formatting this element in NYCE
Payment transactions.
109 Sender Data

Definition This tagged data field is used to carry information from and about
the sender of the transaction.
Issuer
■ 0100, 0120, 0200, Optional Currently supported for certain types of

0220, 0420 MasterCard acquired transactions.
■ 0100, 0210 Conditional May be returned, if received, in the request

(if the Card-Issuer Processor wants to
receive this field in a reversal for a late
response)
Processing Rules ■ See the STAR ISO 8583 Gateway/Product Interface Guide,
Chapter 12 for details on how this element is used in
transactions.

111 Additional Data, Private Acquirer

Definition Private acquirer originated transaction data.

Acquirer
■ 010x, 012x, 020x, Conditional Required to convey MasterCard-assigned ID

022x, 042x for tiered interchange pricing.
Issuer
■ 010x, 012x, 020x, Optional For STAR Issuers, in certain instances and
022x, 042x upon request, STAR can pass DE 111 to
convey information received from other
networks
Processing Rules See the STAR ISO 8583 Gateway/Product Interface Guide,
Chapter 8, DE111: Additional Data, Private Acquirer for detailed
information on uses, formats, and platform distinctions for this
data element.

113 Card Issuer Identification Code

Definition Authorizing agent institution Routing and Transit Number

(FRD-ABA) – identifies the Card-Issuer approving or denying a
financial request.
Issuer
■ 0110, 0210 Required ■ All STAR ATM & POS issuing processors
must format the FRD-ABA as
1NNNNNNNNC where NNNNNNNN is the
FRD-ABA and C is a check digit.
■ This data element is a uniquely identifying

number agreed upon by the network.
Acquirer
■ 010x, 012x, 020x, Optional ■ If transmitted by another Network.

042x
■ STAR CHEK® Direct only: 0220
messages may also use this data element.
■ 0110, 0210 Conditional Will be passed to acquirer if available.
Processing Rules ■ Field length of 10 containing numeric digits, or field length of 11

with a trailing blank. Field may not be packed.
■ If the data element begins with a ‘1’, STAR members must

populate the field as a FRD-ABA with a value check digit (MOD
10).
■ Links and gateways may not always transmit a valid FRD-ABA

check digit.
■ If a STAR Card-Issuer Processor responds with a FRD-ABA of all

zeros, the Switch will overlay the zeros with the institution's
FRD-ABA as defined in the STAR database.

113 Card Issuer Identification Code (cont.)

Platform Distinction For transactions where the Card Issuer cannot be identified (e.g.,
the BIN is not in the routing files loaded into STAR), a a default
FRD-ABA will be returned by the Switch to the Acquirer Processor.
Default FRD-ABA values for STAR platforms:
■ STAR SE = 1111111111
■ STAR W = 1605460540
■ STAR NE = 1031000011
114 Country Code, Authorizing Agent

Definition Code identifying the country where the authorizing agent

institution is located.
Issuer
■ 0110, 0210 Optional
Acquirer

120 Account Qualifiers 1 and 2

Definition Used to identify account qualifiers in a multiple account

transaction.
Acquirer/Issuer
■ 010x, 0110, 012x, Optional

020x, 0210, 022x,
042x
Format 3 AN ■ Account Qualifier 1: This sub-element

identifies the “from” account involved in a
transaction.
3 AN ■ Account Qualifier 2: This sub-element

identifies the “to” account involved in a
transaction.
Processing Rules STAR NE Platform:
■ Account Qualifier 1 and Account Qualifier 2 must be one of the

following values:
◆ 000 = Not applicable to the transaction
◆ 1nn = Checking
◆ 2nn = Savings
◆ 3nn = Credit
◆ 4nn = Other
■ Where nn is the sequence number of the account. Valid values

are '01' through '99'.
■ A value of '01' indicates the primary account of the type

indicated.

121 Additional Data, Private Issuer

STAR Element Format LLLV ANS...999
Definition Used to convey issuer-specific data. This data may vary by

transaction type, product, or network.
For Statement Processing:
Acquirer/Issuer
■ 0200, 0210 Conditional Required for Statement Processing request/

reply transactions.
For MasterCard- and/or Visa-Issuer transactions:
Acquirer
■ 0110, 0210 Optional Acquirers on the STAR SE/W platforms can

elect to have this optional data element
enabled for transaction responses from
MasterCard and Visa.
For STAR Signature Debit transactions:
Issuer
■ 0110 Optional Issuers on the STAR SE/W platforms can

elect to provide a Merchant Advice Code. If
not provided, the STAR switch will return a
default value.
Format Varies, depending upon usage.
Processing Rules ■ For additional information on DE 121 usage with statement

processing, see Chapter 15 in this manual.
■ For additional information on DE 121 usage with Visa- and

MasterCard-issued transactions, see Chapter 9 DE 121:
Additional Data, Private Issuer in the STAR ISO 8583 Gateway/
Product Interface Guide.

122 Sponsor Bank ID

Definition Used to pass values assigned by other networks to represent the

acquirer or its sponsor. Such values are optionally available in
DE 122 to Issuers on the STAR SE/W platforms. STAR populates
and/or maps sponsor values in requests to the other networks on
behalf of its Acquirers.
Issuer
■ 010x, 012x, 020x, Optional For the Issuers electing to receive it, DE 122
022x, 042x can carry MasterCard acquirer Customer ID
or VISA Sponsor Bank ID values.
■ 0110, 0210 Optional May be returned, if received in the request,

if the Card-Issuer Processor desires to have
this field returned in a reversal.
Processing Rules STAR Acquirers should not send in DE 122.
Platform Distinction This field is for STAR SE/W Issuers only; it is not applicable for
the STAR NE Platform.

123 AVS / CVx2 / 3-D / Check Auth / ATM Overdraft / Cash/Check

Deposits
STAR Element Format LLLV ANS-255: Address Verification, Card Verification/Validation,
ATM Overdraft
LLVAR ANS 157: Self Service Check Deposits
Definition This data element can carry data for several purposes:
■ Signature Debit transactions:
◆ Address Verification (AVS data)
◆ Card Validation data and results for MasterCard CVC2 and

Visa CVV2 (STAR SE/W Platforms only)
◆ 3-D Secure Validation results (STAR SE/W Platforms only)
■ Self Service Check Authorization data (check guarantee and

check verification):
◆ MICR data
◆ Driver’s license information
■ ATM Overdraft capability/eligibility information (STAR NE

Platform only).
■ STAR CHEK® Direct Check Authorization.
◆ See STAR ISO 8583 Gateway/Product Interface Guide

Chpater 11: Data Element 085: National Point of Service and
Chapter 12: Data Element 060: Advice/Reversal Reason Code
for details on STAR CHEK® usage.
■ Cash and Check Deposits

See STAR ISO 8583 Gateway/Product Interface Guide Chapter 6:
Data Element 123: AVS / CVx2 / 3-D / Check Auth / ATM
Overdraft / Cash and Check Deposits for details on each of the
usages above.

123 AVS / CVx2 / 3-D / Check Auth / ATM Overdraft / Cash/Check

Deposits (cont.)
Acquirer/Issuer
■ 010x, 0110, 020x, Conditional

0210, 022x, 042x
Cash/Check Deposit
■ 0100 Conditional STAR Switch forwards MICR data, if

received, for a cashed check transaction.
■ 0200, 0220, 0420 Conditional Issuers must be able to receive and send for
cash/check deposit authorizations.
Processing Rules When using the Tagged Data format, multiple components, such
as AVS and CVV2 data, may appear in a single message and vary
in their order. The Format Type identifier ‘TD’ must occupy
positions 1-2 of the element for all tagged formats.
Platform Distinction STAR NE Platform supports AVS through this data element only in
the Tagged Data format.
124 Additional Data, Private

Definition This is a multi-purpose field defined by STAR.

Acquirer/Issuer
■ 0620 Required First 255 bytes of message in error; can

contain up to the first 255 bytes of the
message.
■ 0382, 0392 Required Card Activation and PIN Change/

Offset: Defines the cardholder data to be
modified.
■ 0384, 0394 Required Issuer PIN Change Advice: New PIN

offset value

124 Additional Data, Private

Format Length Description Notes
■ Card Activation AN 19 Card Number Required
AN 5 Member Number Conditional:

Required if Issuer
supports it.
AN 41 Filler (spaces)
AN 1 Card Activation ■ ‘Y’ = Card is active.
■ ‘N’ = Card is not

active.
■ PIN Offset File N4 PIN Offset New PIN offset

Update, PIN Change value.
Advice
■ PIN Change N2 Old PIN Indicator Value = “03” (ANSI

PIN block).
b64 Old PIN Block The old PIN

encrypted under the
current PIN
encryption key.
N2 New PIN Indicator Value = “03” (ANSI

PIN block).
b64 New PIN Block The new PIN

encrypted under the
current PIN
encryption key.
Platform Distinction ■ Card Activation and PIN Change/Offset usage is available on the
STAR NE platform only.

Chapter 13, DE124: Additional Data, Private for detailed
information on uses, formats, and platform distinctions for this
data element.

125 Network Management Information/Tagged Issuer Data

Definition This field is used for dynamic key management or to carry

Issuer-related tagged data.
Network Management Information
Acquirer/Issuer
■ 0800, 0810 Conditional Required in 0800 messages with Network

Management Code (DE 070) equal to 161 or 171.
Format Code Description
‘20’ Single DES:
■ 16-character key (an Acquirer Processor

Working Key).
■ 4 character check digits (first four bytes of the

result of encrypting 16 zeros with the key being
transmitted).
‘36’ Triple DES:
■ 32-character key (an Acquirer Processor

Working Key).
■ 4 character check digits (first four bytes of the

result of encrypting 16 zeros with the key being
transmitted.

Tagged Data Information
Acquirer
0110, 0210, 0220, Optional Optional for Acquirers to receive in response

0420 messages and to send in subsequent advice and
reversal mesages.
Issuer
0100, 0120, 0200, Optional By special request, can be configured to be sent if

0220, 0420 available.

125 Network Management Information/Tagged Issuer Data (cont.)

Issuer (cont.)
0110, 0210 Conditional May be returned, if received in the request (if the
Card-Issuer Processor wants to receive this field in
a reversal for a late response).
‘SI’ (STAR Interchange) Data Format
Field Name Position Data Length Description
Format Identifier 1-2 2 ■ ‘SI’ - STAR

Interchange tag
Tag Data Length 3-4 2 ■ The length of the data

in the STAR
Interchange field
■ Valid values range

from ‘01’ to ‘03’
STAR Interchange Value 5-7 Variable ■ ‘A’ - ALL STAR BIN

1-3
■ ‘0’ (zero) - Standard
STAR BIN (STAR SE/
W platform
Left-justified, no trailing
spaces

125 Network Management Information/Tagged Issuer Data (cont.)

Processing Rules ■ ALL STAR Program
◆ DE 125 with STAR Interchange ‘SI” tagged data is currently

applicable to POS transactions and bill payment transactions
processed through the STAR Network.
◆ The STAR Interchange Data field is variable length and can

consist of one, two, or three alphanumeric characters with no
trailing spaces.
◆ Value ‘0’ (zero) indicates that the transaction involves a

standard STAR BIN. Other values will be used in the future to
denote different interchange configurations.
◆ Issuers opting to return DE 125 may not change the content

of DE 125 in 0110/0210 response messages.
◆ Issuers and Acquirers opting to receive DE 125 will receive it

on all applicable STAR POS and STAR Bill Payment
Transactions. Keep in mind, as with all data elements, that
other gateways may use this data element in other ways.
◆ Responses to Acquirers and advices to Issuers may not

contain DE125 (for processors electing to receive it) for
certain STAR switch-rejected transactions.

126 Issuer Trace Data

Definition This field may be used by Card-Issuer Processors to transmit

trace data to the STAR switch for inclusion in the offline STAR
“User File.” Data received from issuer networks other than STAR
can, in certain cases, optionally be passed to Acquirers in
response messages.
Acquirer
■ 0110, 0210 Optional For acquirers on the STAR SE/W platforms,

in certain cases and upon request, STAR can
pass DE 126 in response messages.
Issuer
■ 0110, 0210 Optional

127 Acquirer Trace Data

Definition This field may be used by Acquirer Processors to transmit trace

data to the STAR switch for inclusion in the offline STAR User File.
This data will not be returned to the acquirer. Data received from
acquirer networks other than STAR can, in certain cases,
optionally be passed to issuers in request messages.
Acquirer
■ 010x, 012x, 020x, Optional

022x, 042x
Issuer
■ 010x, 012x, 020x, Optional For STAR Issuers, in certain cases and upon
022x, 042x request, STAR can pass DE 127 in request
messages.
Processing Rules See the STAR ISO 8583 Gateway/Product Interface Guide,
Chapter 7, Data Element 127: Acquirer Trace Data for additional
information.

216
Part 2: Reference Material

Chapter 5 217
Data Element Index
Data Element by Alphabetical Element Description

Table 5.1: Alphabetical Data Element List
Element Description Bit Position
Account Identification 1 102
Account Identification 2 103
Account Qualifiers 1 and 2 120
Acquirer Institution Identification Code (Acquirer ABA) 032
Acquirer Trace Data 127
Acquirer Transport Data 061
Acquiring Institution Country Code 019
Additional Amounts 054
Additional Data ISO (unsupported) 046
Additional Data National 047
Additional Data, Private 111
Additional Data, Private Acquirer 124
Additional Data, Private Issuer 121
Additional Fees 055
Additional Response Data 044
AVS / CVx2 / 3-D / Check Auth / ATM Overdraft / Cash/ 123

Check Deposits
Advice / Reversal Code 060
Amount Cardholder Billing Fee (unsupported) 008
Amount Cardholder, Billing 006
Amount Net Settlement (unsupported) 097
Amount Transaction 004
Amount, Settlement 005
Amount, Settlement Fee 029

Table 5.1: Alphabetical Data Element List (cont.)

Amount, Settlement Processing Fee (unsupported) 031
Amount, Transaction Fee 028
Amount, Transaction Processing Fee (unsupported) 030
Authorization Identification Response 038
Authorization Identification Response Length (unsupported) 027
Authorization Life Cycle 057
Authorization, Number (unsupported) 081
Bit Map Extended (unsupported) 065
Bit Map, Primary –
Bit Map, Secondary 001
Card Acceptor Identification Code 042
Card Acceptor Name/Location 043
Card Acceptor Terminal Identification 041
Card Issuer Identification Code 113
Card Sequence Number 023
Conversion Rate, Cardholder Billing 010
Conversion Rate, Settlement 009
Country Code, Authorizing Agent 114
Credits, Amount (unsupported) 086
Credits, Number (unsupported) 074
Credits, Processing Fee Amount (unsupported) 082
Credits, Reversal Amount (unsupported) 087
Credits, Reversal Number (unsupported) 075
Credits, Transaction Fee Amount (unsupported) 083
Currency Code, Cardholder Billing 051
Currency Code, Settlement 050


Currency Code, Transaction 049
Date, Action (unsupported) 073
Date, Capture 017
Date, Conversion 016
Date, Local Transaction 013
Debits, Amount (unsupported) 088
Debits, Number (unsupported) 076
Debits, Processing Fee Amount (unsupported) 084
Debits, Reversal Amount (unsupported) 089
Debits, Reversal Number (unsupported) 077
Debits, Transaction Fee Amount (unsupported) 085
Expiration Date 014
Extended Payment Code (unsupported) 067
File Name 101
File Security Code (unsupported) 092
File Update Code 091
Forwarding Institution Country Code (unsupported) 021
Forwarding Institution Identification Code (unsupported) 033
Inquiry Number (unsupported) 080
Interchange Group Indicator 104
Issuer Trace Data 126
Issuer Transport Data 062
Large Private Data 1 105
Large Private Data 2 (unsupported) 106


Member Institution/Merchant Name 048
Merchant Type 018
Message Authentication Code (MAC) (unsupported) 064
Message Authentication Code (unsupported) 128
Message Number (unsupported) 071
Message Number (unsupported) 072
Message Security Code 096
Message Type –
National Point-of-Service Condition Code 058
National Point-of-Service Geographic Data 059
Network International Identifier (unsupported) 024
Network Management Information 125
Network Management Information Code 070
Original Data Elements 090
PAN Extended Country Code (unsupported) 020
Payer/Payee Data 098
Personal Identification Number (PIN) Data 052
Point of Service Condition Code 025
Point of Service Entry Mode 022
Point of Service PIN Capture Code 026
Primary Account Number (PAN) 002
Primary Account Number (PAN), Extended (unsupported) 034
Processing Code 003
Receiving Institution Country Code (unsupported) 068
Receiving Institution ID Code 100
Replacement Amounts 095


Replacement, Additional Fees 056
Reserved For ISO Use (unsupported) 109
Reserved For ISO Use (unsupported) 110
Reserved For National Use (unsupported) 112
Response Code 039
Response Indicator (unsupported) 093
Retrieval Reference Number (Terminal Sequence #) 037
Security Related Control Information (unsupported) 053
Service Indicator (unsupported) 094
Service Restriction Code (unsupported) 040
Settlement Code (unsupported) 066
Settlement Date 015
Settlement Institution Country Code (unsupported) 069
Settlement Institution ID Code (unsupported) 099
Sponsor Bank ID 122
STAR Identification Data 063
System Trace Audit Number 011
Time, Local Transaction 012
Track 1 Data 045
Track 2 Data 035
Track 3 Data (unsupported) 036


Transfer Number (unsupported) 078
Transfer, Reversal Number (unsupported) 079
Transmission Date & Time 007

Chapter 6 223
Format Options
Table 6.1: ASCII/EBCDIC Map and Numeric Field Packing

Variable Data
Alphanumerics Data Element Maps Numeric Fields Fields
ASCII Packed Maps Unpacked Numeric VAR LEN
ASCII Packed Maps Packed Numeric VAR LEN
ASCII Hex Maps Unpacked Numeric VAR LEN
ASCII Hex Maps Packed Numeric VAR LEN
EBCDIC Packed Maps Unpacked Numeric VAR LEN
EBCDIC Packed Maps Packed Numeric VAR LEN
EBCDIC Hex Maps Unpacked Numeric VAR LEN
EBCDIC Hex Maps Packed Numeric VAR LEN
ASCII/EBCDIC Table
Table 6.2: ASCII/EBCDIC Characters/Codes
dec hex binary ASCII EBCDIC
0 0x00 0000 0000 NUL Null NUL Null
1 0x01 0000 0001 SOH Start of Heading SOH Start of Heading

(CC)
2 0x02 0000 0010 STX Start of Text (CC) STX Start of Text
3 0x03 0000 0011 ETX End of Text (CC) ETX End of Text
4 0x04 0000 0100 EOT End of PF Punch Off

Transmission (CC)
5 0x05 0000 0101 ENQ Enquiry (CC) HT Horizontal Tab
6 0x06 0000 0110 ACK Acknowledge (CC) LC Lower Case
7 0x07 0000 0111 BEL Bell DEL Delete
8 0x08 0000 1000 BS Backspace (FE)
9 0x09 0000 1001 HT Horizontal

Tabulation (FE)

Table 6.2: ASCII/EBCDIC Characters/Codes (cont.)

10 0x0A 0000 1010 LF Line Feed (FE) SMM Start of Manual

Message
11 0x0B 0000 1011 VT Vertical Tabulation VT Vertical Tab

(FE)
12 0x0C 0000 1100 FF Form Feed (FE) FF Form Feed
13 0x0D 0000 1101 CR Carriage Return CR Carriage Return

(FE)
14 0x0E 0000 1110 SO Shift Out SO Shift Out
15 0x0F 0000 1111 SI Shift In SI Shift In
16 0x10 0001 0000 DLE Data Link Escape DLE Data Link
(CC) Escape
17 0x11 0001 0001 DC1 Device Control 1 DC1 Device Control 1
18 0x12 0001 0010 DC2 Device Control 2 DC2 Device Control 2
19 0x13 0001 0011 DC3 Device Control 3 TM Tape Mark
20 0x14 0001 0100 DC4 Device Control 4 RES Restore
21 0x15 0001 0101 NAK Negative NL New Line

Acknowledge (CC)
22 0x16 0001 0110 SYN Synchronous Idle BS Backspace

(CC)
23 0x17 0001 0111 ETB End of IL Idle

Transmission Block
(CC)
24 0x18 0001 1000 CAN Cancel CAN Cancel
25 0x19 0001 1001 EM End of Medium EM End of Medium
26 0x1A 0001 1010 SUB Substitute CC Cursor Control
27 0x1B 0001 1011 ESC Escape CU1 Customer Use 1
28 0x1C 0001 1100 FS File Separator (IS) IFS Interchange File

Separator
29 0x1D 0001 1101 GS Group Separator IGS Interchange

(IS) Group Separator


30 0x1E 0001 1110 RS Record Separator IRS Interchange

(IS) Record
Separator
31 0x1F 0001 1111 US Unit Separator (IS) IUS Interchange Unit

Separator
32 0x20 0010 0000 SP Space DS Digit Select
33 0x21 0010 0001 ! Exclamation Point SOS Start of

Significance
34 0x22 0010 0010 " Quotation Mark FS Field Separator
35 0x23 0010 0011 # Number Sign,

Octothorp,
“pound”
36 0x24 0010 0100 $ Dollar Sign BYP Bypass
37 0x25 0010 0101 % Percent LF Line Feed
38 0x26 0010 0110 & Ampersand ETB End of

Transmission
Block
39 0x27 0010 0111 ' Apostrophe, Prime ESC Escape
40 0x28 0010 1000 ( Left Parenthesis
41 0x29 0010 1001 ) Right Parenthesis
42 0x2A 0010 1010 * Asterisk, “star” SM Set Mode
43 0x2B 0010 1011 + Plus Sign CU2 Customer Use 2
44 0x2C 0010 1100 , Comma
45 0x2D 0010 1101 - Hyphen, Minus ENQ Enquiry

Sign
46 0x2E 0010 1110 . Period, Decimal ACK Acknowledge

Point, “dot”
47 0x2F 0010 1111 / Slash, Virgule BEL Bell
48 0x30 0011 0000 0 0
49 0x31 0011 0001 1 1


50 0x32 0011 0010 2 2 SYN Synchronous

Idle
51 0x33 0011 0011 3 3
52 0x34 0011 0100 4 4 PN Punch On
53 0x35 0011 0101 5 5 RS Reader Stop
54 0x36 0011 0110 6 6 UC Upper Case
55 0x37 0011 0111 7 7 EOT End of

Transmission
56 0x38 0011 1000 8 8
57 0x39 0011 1001 9 9
58 0x3A 0011 1010 : Colon
59 0x3B 0011 1011 ; Semicolon CU3 Customer Use 3
60 0x3C 0011 1100 < Less-than Sign DC4 Device Control 4
61 0x3D 0011 1101 = Equal Sign NAK Negative

Acknowledge
62 0x3E 0011 1110 > Greater-than Sign
63 0x3F 0011 1111 ? Question Mark SUB Substitute
64 0x40 0100 0000 @ At Sign SP Space
65 0x41 0100 0001 A A
66 0x42 0100 0010 B B
67 0x43 0100 0011 C C
68 0x44 0100 0100 D D
69 0x45 0100 0101 E E
70 0x46 0100 0110 F F
71 0x47 0100 0111 G G
72 0x48 0100 1000 H H
73 0x49 0100 1001 I I


74 0x4A 0100 1010 J J ¢ Cent Sign
75 0x4B 0100 1011 K K . Period, Decimal

Point
76 0x4C 0100 1100 L L < Less-than Sign
77 0x4D 0100 1101 M M ( Left Parenthesis
78 0x4E 0100 1110 N N + Plus Sign
79 0x4F 0100 1111 O O
80 0x50 0101 0000 P P & Ampersand
81 0x51 0101 0001 Q Q
82 0x52 0101 0010 R R
83 0x53 0101 0011 S S
84 0x54 0101 0100 T T
85 0x55 0101 0101 U U
86 0x56 0101 0110 V V
87 0x57 0101 0111 W W
88 0x58 0101 1000 X X
89 0x59 0101 1001 Y Y
90 0x5A 0101 1010 Z Z ! Exclamation

Point
91 0x5B 0101 1011 [ Opening Bracket $ Dollar Sign
92 0x5C 0101 1100 \ Reverse Slant * Asterisk
93 0x5D 0101 1101 ] Closing Bracket ) Right

Parenthesis
94 0x5E 0101 1110 ^ Circumflex, Caret ; Semicolon
95 0x5F 0101 1111 _ Underline, Logical NOT

Underscore
96 0x60 0110 0000 ` Grave Accent - Hyphen, Minus

Sign


97 0x61 0110 0001 a a / Slash, Virgule
98 0x62 0110 0010 b b
99 0x63 0110 0011 c c
100 0x64 0110 0100 d d
101 0x65 0110 0101 e e
102 0x66 0110 0110 f f
103 0x67 0110 0111 g g
104 0x68 0110 1000 h h
105 0x69 0110 1001 i i
106 0x6A 0110 1010 j j | Logical OR
107 0x6B 0110 1011 k k , Comma
108 0x6C 0110 1100 l l % Percent
109 0x6D 0110 1101 m m _ Underline,

Underscore
110 0x6E 0110 1110 n n > Greater-than

Sign
111 0x6F 0110 1111 o o ? Question Mark
112 0x70 0111 0000 p p
113 0x71 0111 0001 q q
114 0x72 0111 0010 r r
115 0x73 0111 0011 s s
116 0x74 0111 0100 t t
117 0x75 0111 0101 u u
118 0x76 0111 0110 v v
119 0x77 0111 0111 w w
120 0x78 0111 1000 x x
121 0x79 0111 1001 y y


122 0x7A 0111 1010 z z : Colon
123 0x7B 0111 1011 { Opening Brace # Number Sign,

Octothorp,
“pound”
124 0x7C 0111 1100 | Vertical Line @ At Sign
125 0x7D 0111 1101 } Closing Brace ' Apostrophe,

Prime
126 0x7E 0111 1110 ~ Tilde = Equal Sign
127 0x7F 0111 1111 DEL Delete " Quotation Mark
128 0x80 1000 0000 Reserved
129 0x81 1000 0001 Reserved a a
130 0x82 1000 0010 Reserved b b
131 0x83 1000 0011 Reserved c c
132 0x84 1000 0100 IND Index (FE) d d
133 0x85 1000 0101 NEL Next Line (FE) e e
134 0x86 1000 0110 SSA Start of Selected f f

Area
135 0x87 1000 0111 ESA End of Selected g g

Area
136 0x88 1000 1000 HTS Horizontal h h

Tabulation Set (FE)
137 0x89 1000 1001 HTJ Horizontal i i

Tabulation with
Justification (FE)
138 0x8A 1000 1010 VTS Vertical Tabulation

Set (FE)
139 0x8B 1000 1011 PLD Partial Line Down

(FE)
140 0x8C 1000 1100 PLU Partial Line Up (FE)
141 0x8D 1000 1101 RI Reverse Index (FE)


142 0x8E 1000 1110 SS2 Single Shift Two

(1)
143 0x8F 1000 1111 SS3 Single Shift Three

(1)
144 0x90 1001 0000 DCS Device Control

String (2)
145 0x91 1001 0001 PU1 Private Use One j j
146 0x92 1001 0010 PU2 Private Use Two k k
147 0x93 1001 0011 STS Set Transmit State l l
148 0x94 1001 0100 CCH Cancel Character m m
149 0x95 1001 0101 MW Message Waiting n n
150 0x96 1001 0110 SPA Start of Protected o o

Area
151 0x97 1001 0111 EPA End of Protected p p

Area
152 0x98 1001 1000 Reserved q q
153 0x99 1001 1001 Reserved r r
154 0x9A 1001 1010 Reserved
155 0x9B 1001 1011 CSI Control Sequence

Introducer (1)
156 0x9C 1001 1100 ST String Terminator

(2)
157 0x9D 1001 1101 OSC Operating System

Command (2)
158 0x9E 1001 1110 PM Privacy Message

(2)
159 0x9F 1001 1111 APC Application

Program Command
(2)
160 0xA0 1010 0000
161 0xA1 1010 0001 ~ Tilde


162 0xA2 1010 0010 s s
163 0xA3 1010 0011 t t
164 0xA4 1010 0100 u u
165 0xA5 1010 0101 v v
166 0xA6 1010 0110 w w
167 0xA7 1010 0111 x x
168 0xA8 1010 1000 y y
169 0xA9 1010 1001 z z
170 0xAA 1010 1010
171 0xAB 1010 1011
172 0xAC 1010 1100
173 0xAD 1010 1101
174 0xAE 1010 1110
175 0xAF 1010 1111
176 0xB0 1011 0000
177 0xB1 1011 0001
178 0xB2 1011 0010
179 0xB3 1011 0011
180 0xB4 1011 0100
181 0xB5 1011 0101
182 0xB6 1011 0110
183 0xB7 1011 0111
184 0xB8 1011 1000
185 0xB9 1011 1001 ` Grave Accent
186 0xBA 1011 1010
187 0xBB 1011 1011


188 0xBC 1011 1100
189 0xBD 1011 1101
190 0xBE 1011 1110
191 0xBF 1011 1111
192 0xC0 1100 0000 { Opening Brace
193 0xC1 1100 0001 A A
194 0xC2 1100 0010 B B
195 0xC3 1100 0011 C C
196 0xC4 1100 0100 D D
197 0xC5 1100 0101 E E
198 0xC6 1100 0110 F F
199 0xC7 1100 0111 G G
200 0xC8 1100 1000 H H
201 0xC9 1100 1001 I I
202 0xCA 1100 1010
203 0xCB 1100 1011
204 0xCC 1100 1100
205 0xCD 1100 1101
206 0xCE 1100 1110
207 0xCF 1100 1111
208 0xD0 1101 0000 } Closing Brace
209 0xD1 1101 0001 J J
210 0xD2 1101 0010 K K
211 0xD3 1101 0011 L L
212 0xD4 1101 0100 M M
213 0xD5 1101 0101 N N


214 0xD6 1101 0110 O O
215 0xD7 1101 0111 P P
216 0xD8 1101 1000 Q Q
217 0xD9 1101 1001 R R
218 0xDA 1101 1010
219 0xDB 1101 1011
220 0xDC 1101 1100
221 0xDD 1101 1101
222 0xDE 1101 1110
223 0xDF 1101 1111
224 0xE0 1110 0000 \ Reverse Slant
225 0xE1 1110 0001
226 0xE2 1110 0010 S S
227 0xE3 1110 0011 T T
228 0xE4 1110 0100 U U
229 0xE5 1110 0101 V V
230 0xE6 1110 0110 W W
231 0xE7 1110 0111 X X
232 0xE8 1110 1000 Y Y
233 0xE9 1110 1001 Z Z
234 0xEA 1110 1010
235 0xEB 1110 1011
236 0xEC 1110 1100
237 0xED 1110 1101
238 0xEE 1110 1110
239 0xEF 1110 1111


240 0xF0 1111 0000 0 0
241 0xF1 1111 0001 1 1
242 0xF2 1111 0010 2 2
243 0xF3 1111 0011 3 3
244 0xF4 1111 0100 4 4
245 0xF5 1111 0101 5 5
246 0xF6 1111 0110 6 6
247 0xF7 1111 0111 7 7
248 0xF8 1111 1000 8 8
249 0xF9 1111 1001 9 9
250 0xFA 1111 1010
251 0xFB 1111 1011
252 0xFC 1111 1100
253 0xFD 1111 1101
254 0xFE 1111 1110
255 0xFF 1111 1111

Check Digit Calculation
Modulus 10 Check-Digit Routine

Sum the 3-7-1 Weighted Products
Step 1: Multiply the 1st, 4th, and 7th digits by 3.
Step 2: Multiply the 2nd, 5th, and 8th digits by 7.
Step 3: Multiply the 3rd and 6th digits by 1.
Step 4: Add the products of all multiplications.
Step 5: Subtract the sum of the products from the next highest or equal multiple of 10. The
remainder is the check digit. Zero is a valid check digit.
Example
To find the value of the check digit (X) using the example ABA 12210001X:
Finding the value of the check digit (X) - Modulus 10
Steps 1 2 2 1 0 0 0 1 Number (FRD-ABA)

1, 2, 3:
×3 ×7 ×1 ×3 ×7 ×1 ×3 ×7 3-7-1 Weight Factors
Step 4: 3 + 14 +2 +3 +0 +0 +0 +7 Sum of Products = 29
Step 5: Next highest number to sum that is multiple of 10: 30
30 - 29 = 1
Mod 10 check digit = 1
Complete Number (with check digit): 1 2 2 1 0 0 0 1 1

Luhn Formula
Used for computing a modulus 10 “double-add-double” check digit.
Luhn Formula Calculation
Step 1: Double the value of alternate digits beginning with the first right-hand digit (low
order).
Step 2: Add the individual digits that make up the products obtained in Step 1 to the
unaffected digits in the original number.
Step 3: Subtract the total obtained in Step 2 from the next higher number ending in 0. This
is the equivalent of calculating the “tens complement” of the low order digit (unit
digit) of the total.
If the total obtained in Step 2 is a number ending in zero (30, 40, etc.), the check
digit is 0.
Example
To find the value of the check digit (X) using the example account number
4992 73 9871 X:
Finding the value of the check digit (X) - Luhn Formula
Step 1: 4 9 9 2 7 3 9 8 7 1
×2 ×2 ×2 ×2 ×2
18 4 6 16 2
Step: 2 4 + 1+8 + 9 +4 +7 +6 +9 + 1+6 +7 +2 = 64
Step 3: Next highest number ending in 0: 70
70 - 64 = 6
Luhn check digit = 6
Complete Number (with check digit): 4 9 9 2 7 3 9 8 7 1 6

Chapter 7 237
Data Element 003: Processing Codes
Note
See the STAR ISO 8583 Gateway/Product Interface Guide for
additional processing codes that are supported due to participation in
other networks.
ATM
Mandatory (Issuer/Acquirer)
Table 7.1: ATM Mandatory Proc Codes
Description ISO Proc Code Message Notes
Cash Withdrawal from FND 01 00 00 02xx, 04xx
Cash Withdrawal from SAV 01 10 00 02xx, 04xx
Cash Withdrawal from DDA 01 20 00 02xx, 04xx
Cash Advance 01 30 00 02xx, 04xx
Balance Inquiry from SAV 31 10 00 02xx
Balance Inquiry from DDA 31 20 00 02xx
Balance Inquiry from CRD 31 30 00 02xx
Transfer from SAV to DDA 40 10 20 02xx, 04xx
Transfer from DDA to SAV 40 20 10 02xx, 04xx

Optional (Issuer/Acquirer)
Table 7.2: ATM Optional Proc Codes
Cash Withdrawal from OTH 01 09 00 02xx, 04xx
Deposit to SAV 21 00 10 02xx, 04xx
Deposit to DDA 21 00 20 02xx, 04xx
Deposit to OTH 21 00 09 02xx, 04xx
Balance Inquiry from FND 31 00 00 02xx
Balance Inquiry from OTH 31 09 00 02xx
Account List Inquiry from SAV 35 10 00 0100, 0110 STAR NE Platform only.
Account List Inquiry from DDA 35 20 00 0100, 0110 STAR NE Platform only.
Account List Inquiry from CRD 35 30 00 0100, 0110 STAR NE Platform only.
Account List Inquiry from OTH 35 09 00 0100, 0110 STAR NE Platform only.
Account Balance Profile 39 00 00 02xx STAR NE Platform only.
Transfer from OTH to SAV 40 09 10 02xx, 04xx
Transfer from OTH to DDA 40 09 20 02xx, 04xx
Transfer from OTH to CRD 40 09 30 02xx, 04xx
Transfer from OTH to OTH 40 09 09 02xx, 04xx
Transfer from SAV to SAV 40 10 10 02xx, 04xx
Transfer from SAV to OTH 40 10 09 02xx, 04xx
Transfer from DDA to OTH 40 20 09 02xx, 04xx
Transfer from DDA to DDA 40 20 20 02xx, 04xx
Transfer from CRD to OTH 40 30 09 02xx, 04xx
Transfer from SAV to CRD 40 10 30 02xx, 04xx
Transfer from DDA to CRD 40 20 30 02xx, 04xx
Transfer from CRD to DDA 40 30 20 02xx, 04xx

Table 7.2: ATM Optional Proc Codes (cont.)

Bill Payment from FND 50 00 00 02xx, 04xx STAR NE Platform only.
Bill Payment from SAV 50 10 00 02xx, 04xx STAR NE Platform only.
Bill Payment from DDA 50 20 00 02xx, 04xx STAR NE Platform only.
Bill Payment from CRD 50 30 00 02xx, 04xx STAR NE Platform only.
Bill Payment from OTH 50 09 00 02xx, 04xx STAR NE Platform only.
Electronic Payment from SAV to 58 10 30 02xx, 04xx STAR NE Platform only.

CRD
Electronic Payment from SAV to 58 10 09 02xx, 04xx STAR NE Platform only.

OTH
Electronic Payment from DDA to 58 20 30 02xx, 04xx STAR NE Platform only.

CRD
Electronic Payment from DDA to 58 20 09 02xx, 04xx STAR NE Platform only.

OTH
Electronic Payment from CRD to 58 30 30 02xx, 04xx STAR NE Platform only.

CRD
Electronic Payment from OTH to 58 09 30 02xx, 04xx STAR NE Platform only.

CRD
Electronic Payment from CRD to 58 30 09 02xx, 04xx STAR NE Platform only.

OTH
Payment Enclosed 59 00 00 02xx, 04xx STAR NE Platform only.
Statement from SAV 91 10 00 0200, 0210 STAR NE Platform only.
Statement from DDA 91 20 00 0200, 0210 STAR NE Platform only.
Statement from CRD 91 30 00 0200, 0210 STAR NE Platform only.
Statement from OTH 91 09 00 0200, 0210 STAR NE Platform only.

Point of Sale
Mandatory (Card-Issuer Processor Only)

Table 7.3: POS Mandatory Proc Codes – Card-Issuer Processor
Purchase from FND 00 00 00 02xx, 04xx
Purchase from SAV 00 10 00 02xx, 04xx
Purchase from DDA 00 20 00 02xx, 04xx
Purchase from CRD 00 30 00 02xx, 04xx
Purchase Pre-authorization FND 00 00 00 01xx, 04xx When the original

transaction request was
from funding, positions 3
and 4 (debit) or 5 and 6
(credit) may be modified
by the Issuer in the 0110
and 0210 message
response.
Purchase Pre-authorization SAV 00 10 00 01xx, 04xx
Purchase Pre-authorization DDA 00 20 00 01xx, 04xx
Purchase Pre-authorization CRD 00 30 00 01xx, 04xx
Pre-authorized purchase 00 00 00 022x, 042x

completion FND

completion SAV

completion DDA

completion CRD

Table 7.3: POS Mandatory Proc Codes – Card-Issuer Processor (cont.)

Merchandise Correction to FND 20 00 00 02xx, 04xx ■ See STAR Network

Operating Rules for
restrictions on these
processing codes.
■ When the original

from funding, positions
3 and 4 (debit) or 5 and
6 (credit) may be
modified by the Issuer
in the 0110 and 0210
message response.
Merchandise Correction to SAV 20 00 10 02xx, 04xx See STAR Network

Operating Rules for
Merchandise Correction to DDA 20 00 20 02xx, 04xx restrictions on these
processing codes.
Merchandise Correction to CRD 20 00 30 02xx, 04xx
Balance Inquiry 31 00 00 02xx ■ See STAR Network

from FND Operating Rules for
restrictions on these
processing codes.
■ When the original

from funding, positions
3 and 4 (debit) or 5 and
6 (credit) may be
modified by the Issuer
in the 0110 and 0210
message response.
Balance Inquiry 31 10 00 02xx

from SAV
Balance Inquiry 31 20 00 02xx

from DDA
Balance Inquiry from CRD 31 30 00 02xx

Table 7.3: POS Mandatory Proc Codes – Card-Issuer Processor (cont.)

Payment to Third Party from 50 00 00 02xx, 04xx

FND
Payment to Third Party from SAV 50 10 00 02xx, 04xx

DDA

CRD
Payment/Funds Transfer (Credit) 56 00 00 02xx When the original

and 0210 message
response.

Mandatory (Acquirer Only)

Table 7.4: POS Mandatory Proc Codes – Acquirer
Stand-alone Purchase from FND 00 00 00 020x, 022x, When the original

042x transaction request was
and 0210 message
response.
Purchase Pre-authorization 00 00 00 01xx, 04xx Mandatory if fuel

dispense transaction is
Pre-authorized Purchase 00 00 00 022x, 042x initiated at the pump.
Completion
Optional
Table 7.5: POS Optional Proc Codes
Purchase to OTH 00 09 00 02xx, 04xx
Purchase Pre-authorization to 00 09 00 01xx, 04xx

OTH
Cash Withdrawal from FND 01 00 00 01xx, 02xx,

(01xx not settled) 04xx
Cash Advance (not settled) 01 30 00 01xx, 04xx Currently not supported

in STAR (Visa-supported).
Merchandise Correction to OTH 20 00 09 02xx, 04xx
Balance Inquiry to OTH 31 09 00 02xx, 04xx Optional for financial

institutions participating
as Card-Issuer with
Cirrus.

Chapter 8 244
Data Element 018: Merchant Type
This Chapter lists Merchant Type codes (also known as Merchant Category
codes or SIC codes). The first table is in numerical order; the table beginning
on page 276 gives an alphabetical listing.
Merchant Type Codes - Numerical Order

Table 8.1: Merchant Type Codes – Numerical Order
Code Description
0742 Veterinary Services
0763 Agricultural Cooperatives
0780 Horticultural and Landscaping Services
1520 General Contractors—Residential and Commercial
1711 Air Conditioning, Heating, and Plumbing Contractors
1731 Electrical Contractors
1740 Insulation, Masonry, Plastering, Stonework, and Tile Setting Contractors
1750 Carpentry Contractors
1761 Roofing and Siding, Sheet Metal Work Contractors
1771 Concrete Work Contractors
1799 Contractors, Special Trade—not elsewhere classified
2741 Miscellaneous Publishing and Printing*
2791 Typesetting, Plate Making, and Related Services*
2842 Sanitation, Polishing, and Specialty Cleaning Preparations
3000 United Airlines—UNITED
3001 American Airlines—AMERICAN
3002 Pan American—PAN AM AIR
3003 Eurofly Air
3004 Dragon Airlines - Dragonair
3005 British Airways—BRITISH AWYS
3006 Japan Air Lines—JAL

Table 8.1: Merchant Type Codes – Numerical Order (cont.)

Code Description
3007 Air France—AIR FRAN
3008 Lufthansa—LUFTHAN
3009 Air Canada—AIR CANA
3010 Royal Dutch Airlines (KLM)—KLM
3011 Aeroflot—AEROFLOT
3012 Qantas—QANTAS
3013 Alitalia—ALITALIA
3014 Saudi Arabian Airlines—SAUDI AI
3015 Swiss International Airlines—SWISSINTLAIR
3016 Scandinavian Airline System (SAS)—SAS
3017 South African Airways—SAFRICAN
3018 Varig (Brazil)—VARIG
3019 Germanwings—GRMNWNGSAIR
3020 Air India—AIR-INDI
3021 Air Algerie—AIRALGER
3022 Philippine Airlines—PAL AIR
3023 Mexicana—MEXICANA
3024 Pakistan International—PAKISTAN
3025 Air New Zealand Limited International—AIR NZ
3026 Emirates Airlines—EMIRATES
3027 Union de Transports Aeriens—UTAAIR
3028 Air Malta—AIRMALTA
3029 SN Brussels Airlines—SN BRUSSELS
3030 Aerolineas Argentinas—AERO ARG
3031 Olympic Airways—OLYMPICA
3032 El Al—EL AL


Code Description
3033 Ansett Airlines—ANSETT
3034 Etihad Airways-ETIHADAIR
3035 Tap (Portugal)—TAP
3036 VASP (Brazil)—VASP
3037 EgyptAir—EGYPTAIR
3038 Kuwait Airways—KUWAIT
3039 Avianca—AVIANCA
3040 Gulf Air (Bahrain)—GULF AIR
3041 Balkan—Bulgarian Airlines—BALKAN
3042 Finnair—FINNAIR
3043 Aer Lingus—AERLING
3044 Air Lanka—AIR LANKA
3045 Nigeria Airways—NIGERIA
3046 Cruzerio do Sul (Brazil)—CRUZERIO
3047 THY (Turkey)—THY
3048 Royal Air Maroc—AIRMARO
3049 Tunis Air—TUNIS AI
3050 Icelandair—ICELANDA
3051 Austrian Airlines—AUSTRIAN
3052 LAN Airlines - LAN AIR
3053 AVIACO (Spain)—AVIACO
3054 LADECO (Chile)—LADECO
3055 LAB (Bolivia)—LAB
3058 Delta—DELTA
3059 DBA Airlines—DBA AIR
3060 Northwest Airlines—NWA AIR


Code Description
3061 Continental—CONTINEN
3062 Hapag - Lloyd Express Airlines—HLX AIR
3063 U.S. Airways—USAIRWYS
3064 Adria Airways—ADRIA AIR
3065 Air Inter—AIRINTER
3066 Southwest Airlines—SOUTHWES
3067 Vanguard Airlines—VANGUARD
3068 Air Astana – AIR ASTANA
3071 Air British Columbia—AIR B R C
3072 CEBU PAC - CEBU Pacific Airlines
3075 Singapore Airlines—SINGAPOR
3076 Aeromexico—AEROMEXI
3077 Thai Airways—THAIAIRW
3078 China Airlines—CHINAAIR
3079 Jetstar Airways—JETSTAR
3082 Korean Airlines—KOREAN
3083 Air Afrique—AIRAFRIQUE
3084 Eva Airways—EVA AIR
3085 Midwest Express Airlines—MIDWEST EXP
3087 Metro Airlines—METROAI
3088 Croatia Air—CROATIA AIR
3089 Transaero—TRANSAERO
3090 Uni Airways—UNIAIR
3094 Zambia Airways—ZAMBIA A
3096 Air Zimbabwe—AIRZIMBA
3097 Spanair—SPANAIR


Code Description
3098 Asiana Airlines—ASIANA AIR
3099 Cathay Pacific—CATHAYPA
3100 Malaysian Airline System—MALAY AI
3102 Iberia—IBERIA
3103 Garuda (Indonesia)—GARUDA
3106 Braathens S.A.F.E. (Norway)—BRAATHEN
3111 British Midland—BRITISH M
3112 Windward Island—WINDWARD
3117 Venezolana International de Aviacion—VIASA
3125 Tan Airlines—TAN AIR
3127 Taca International—TACA INT
3129 Surinam Airways—SURINAM
3130 Sunworld International Airways—SUNWORLD
3131 VLM Airlines—VLM
3132 Frontier Airlines—FRONTIERAIR
3135 Sudan Airways—SUDANAIR
3136 Qatar Airways Company W.L.L.—QATAR AIR
3144 Virgin Atlantic—VIR ATL
3146 Luxair—LUXAIR
3148 Air Littoral, S.A.—LITTORAL
3151 Air Zaire—AIRZAIRE
3156 GO FLY Ltd.—GOFLY
3159 Provincetown-Boston Airways—PBA
3161 All Nippon Airways—ANAAIR
3164 Norontair—NORONTAI
3167 Aero Continente—AEROCONTINENTE


Code Description
3171 Canadian Airlines—CANADIAN
3172 Nation Air—NATIONAI
3174 JetBlue Airways—JETBLUE
3175 Middle East Air—MIDEASTA
3177 AirTran Airways—AIRTRANAIR
3178 Mesa Air—MESA AIR
3181 Malev Hungarian Airlines—MALEV
3182 LOT - Polish Airlines—LOT
3184 LIAT—LIAT
3185 LAV Linea Aeropostal Venezolana—LAV
3186 LAP Lineas Aereas Paraguayas—LAP
3187 LACSA (Costa Rica)—LACSA
3190 Jugoslav Air—JUGOSLAV
3191 Island Airlines—ISLANDAI
3192 Iran Air—IRANAIR
3193 Indian Airlines—INDIAN A
3196 Hawaiian Air—HAWAIIAN
3197 Havasu Airlines—HAVASUAI
3200 Guyana Airways—GUYANA A
3204 Freedom Airlines—FREEDOM
3206 China Eastern Airlines—CHINEASTAIR
3211 Norwegian Air Shuttle—NORWEGIANAIR
3212 Dominicana de Aviacion—DOMINICA
3213 Malmo Aviation—MALMO AIR
3217 CSA Ceskoslovenske Aerolinie—CSA
3219 Compania Panamena de Aviacion (Copa)—COPA


Code Description
3220 Compania Faucett—COMPANIA
3221 Transportes Aeros Militares Ecuatorianos—TAME AIR
3222 Command Airways—COMMAND
3223 Comair—COMAIR
3226 Skyways Air
3228 Cayman Airways—CAYMANAI
3229 SAETA (Sociedad Ecuatorianas De Transportes Aereo)—SAETAAIR
3231 SAHSA (Servicio Aero de Honduras)—SAHSA
3234 Caribbean Airlines – CARIBBEANAIR
3236 Air Arabia Airline—AIR ARABIA
3239 Bar Harbor Airlines—BARHARBO
3240 Bahamasair—BAHAMASA
3241 Aviateca (Guatemala)—AVIATECA
3242 Avensa—AVENSA
3243 Austrian Air Service—AUSTRAIR
3245 EasyJet Airlines—EASYJET AIR
3246 Ryanair
3247 Gol Airlines—GOL AIR
3248 Tam Airlines—TAM AIR
3252 ALM Antilean Airlines—ALM
3253 America West—AMERWEST
3256 Alaska Airlines Inc.—ALASKA A
3260 Spirit Airlines—SPIRIT AIR
3261 Air China—AIR CHINA
3263 Aero Servicio Carabobo—ASC AIRLINE
3266 Air Seychelles—AIR SEYC


Code Description
3267 Air Panama International—AIR PANA
3280 Air Jamaica—AIR JAMA
3282 Air Djibouti—AIR DJIB
3285 Aero Peru—AEROPERU
3286 Aero. Nicaraguenses—AERO NIC
3287 Aero Coach Aviation—AEROCOAC
3292 Cyprus Airways—CYPRUSA
3293 Ecuatoriana—ECUATORI
3294 Ethiopian Airlines—ETHIOPIA
3295 Kenya Airways—KENYAAIR
3296 Air Berlin - AIR BERLIN
3297 Tarom Romanian Air Transport—TAROM AIR
3298 Air Mauritius—AIRMAURI
3299 Wideroes Flyveselskap—WIDEROES
3351 Affiliated Auto Rental
3352 American International
3353 Brooks Rent A Car
3354 Action Auto Rental
3355 SIXT Car Rental
3357 Hertz
3359 Payless Car Rental
3360 Snappy Car Rental
3361 Airways Rent-A-Car
3362 Altra Auto Rental
3364 Agency Rent-A-Car
3366 Budget Rent-A-Car


Code Description
3368 Holiday Rent-A-Car
3370 Rent A Wreck
3374 Accent Rent-A-Car
3376 Ajax Rent-A-Car
3380 Triangle Rent A Car
3381 Europ Car
3385 Tropical Rent-A-Car
3386 Showcase Rental Cars
3387 Alamo Rent-A-Car
3389 Avis Rent A Car
3390 Dollar Rent A Car
3391 Europe By Car
3393 National Car Rental
3394 Kemwell Group Rent-A-Car
3395 Thrifty Car Rental
3396 Tilden Rent-A-Car
3398 Econo Car Rent-A-Car
3400 Auto Host Car Rental
3405 Enterprise Rent-A-Car
3409 General Rent-A-Car
3412 A1 Rent-A-Car
3420 ANSA International
3421 Allstate Rent-A-Car
3423 Avcar Rent-A-Car
3425 Automate Rent-A-Car
3427 Avon Rent-A-Car


Code Description
3428 Carey Rent-A-Car
3429 Insurance Rent-A-Car
3430 Major Rent-A-Car
3431 Replacement Rent-A-Car
3432 Reserve Rent-A-Car
3433 Ugly Duckling Rent-A-Car
3434 USA Rent-A-Car
3435 Value Rent-A-Car
3436 Autohansa Rent-A-Car
3438 Interent Rent-A-Car
3439 Milleville Rent-A-Car
3441 Advantage Rent A Car
3501 Holiday Inns
3502 Best Western Hotels
3503 Sheraton (Sheraton Hotels)
3504 Hilton Hotels
3505 Forte Hotels
3506 Golden Tulip Hotels
3507 Friendship Inns
3508 Quality Inns
3509 Marriott
3510 Days Inns
3511 Arabella Hotels
3512 Intercontinental Hotels
3513 Westin (Westin Hotels)
3514 Amerisuites


Code Description
3515 Rodeway Inns
3516 LaQuinta Inns
3517 Americana Hotels
3518 Sol Hotels
3519 Pullman International Hotels
3520 Meridien Hotels
3522 Tokyo Hotel
3523 Peninsula Hotels
3524 WelcomGroup Hotels
3525 Dunfey Hotels
3526 Prince Hotels
3527 Downtowner Passport
3528 Red Lion Inns
3529 CP (Canadian Pacific) Hotels
3530 Renaissance Hotels
3531 Kauai Coconut Beach Resort—KAUAI COCONUT BEACH RSRT
3532 Royal Kona Resort
3533 Hotel Ibis
3534 Southern Pacific Hotel (Hotel)
3535 Hilton International
3536 AMFAC Hotels
3537 ANA Hotels
3538 Concorde Hotels
3539 Summerfield Suites Hotel
3540 Iberotel Hotels
3541 Hotel Okura


Code Description
3542 Royal Hotels
3543 Four Seasons Hotels
3544 Ciga Hotels
3545 Shangri-La International
3546 Hotel Sierra
3547 Breakers Resort (Hotel)
3548 Hotels Melia
3549 Auberge des Governeures
3550 Regal 8 Inns
3551 Mirage Hotel and Casino
3552 Coast Hotel
3553 Park Inns International
3554 Pinehurst Resort
3555 Treasure Island Hotel and Casino
3556 Barton Creek Resort
3557 Manhattan East Suite Hotels
3558 Jolly Hotels
3559 Candlewood Suites
3560 Aladdin Resort and Casino
3561 Golden Nugget
3562 Comfort Inns
3563 Journey’s End Motels
3564 Sam’s Town Hotel and Casino
3565 Relax Inns
3566 Garden Place Hotel
3567 Soho Grand Hotel


Code Description
3568 Ladbroke Hotels
3569 Tribeca Grand Hotel
3570 Forum Hotels
3571 Grand Wailea Resort
3572 Miyako Hotel
3573 Sandman Hotels
3574 Venture Inn
3575 Vagabond Hotels
3576 LaQuinta Resort
3577 Mandarin Oriental Hotels
3578 Frankenmuth Bavarian
3579 Hotel Mercure
3580 Hotel Del Coronado
3581 Delta Hotels
3582 California Hotel and Casino
3583 SAS Hotels
3584 Princess Hotels International
3585 Hungar Hotels
3586 Sokos Hotel
3587 Doral Hotels
3588 Helmsley Hotels
3589 Doral Golf Resort
3590 Fairmont Hotels
3591 Sonesta Hotels
3592 Omni Hotels
3593 Cunard Hotels


Code Description
3594 Arizona Biltmore
3595 Hospitality Inns
3596 Wynn Las Vegas
3597 Riverside Resort Hotel and Casino
3598 Regent International Hotel
3599 Pannonia Hotels
3600 Saddlebrook Resort—Tampa
3601 Trade Winds Resorts
3602 Hudson Hotel
3603 Noah’s Hotel
3604 Hilton Garden Inn
3605 Jurys Doyle Hotel Group
3606 Jefferson Hotel
3607 Fontainebleau Resorts
3608 Gaylord Opryland (Hotel)
3609 Gaylord Palms (Hotel)
3610 Gaylord Texan (Hotel)
3611 C MON INN (Hotel)
3612 Movenpick Hotels
3613 Microtel Inns & Suites (Hotel)
3614 AmericInn (Hotel)
3615 Travelodge
3616 Hermitage Hotel
3617 America’s Best Value Inn (Hotel)
3618 Great Wolf (Hotel)
3619 aloft (Hotel)


Code Description
3620 Binion’s Horseshoe Club
3621 Extended Stay (Hotel)
3622 Merlin Hotel Group
3623 Dorint Hotels
3624 Lady Luck Hotel and Casino
3625 Hotel Universale
3626 Studio Plus (Hotel)
3627 Extended Stay America (Hotel)
3628 Excalibur Hotel and Casino
3629 Dan Hotels
3630 Extended Stay Deluxe (Hotel)
3631 Sleep Inns
3632 Phoenician (Hotel)
3633 Rank Hotels
3634 Swissotel
3635 Reso Hotel
3636 Sarova Hotels
3637 Ramada Inns
3638 Howard Johnson
3639 Mount Charlotte Thistle
3640 Hyatt Hotels
3641 Sofitel Hotels
3642 Novotel Hotels
3643 Steigenberger Hotels
3644 EconoLodges
3645 Queens Moat Houses


Code Description
3646 Swallow Hotels
3647 Husa Hotels
3648 De Vera Hotels
3649 Radisson Hotels
3650 Red Roof Inns
3651 Imperial London Hotels
3652 Embassy Hotels
3653 Penta Hotels
3654 Loews Hotels
3655 Scandic Hotels
3656 Sara Hotels
3657 Oberoi Hotels
3658 Otani Hotels
3659 Taj Hotels International
3660 Knights Inn
3661 Metropole Hotels
3662 Circus Hotel and Casino
3663 Hoteles El Presidente
3664 Flag Inns
3665 Hampton Inn Hotels
3666 Stakis Hotels
3667 Luxor Hotel and Casino
3668 Maritim Hotels
3669 Eldorado Hotel and Casino
3670 Arcade Hotels
3671 Arctia Hotels


Code Description
3672 Campanile Hotels
3673 IBUSZ Hotels
3674 Rantasipi Hotels
3675 Interhotel CEDOK
3676 Monte Carlo Hotel and Casino
3677 Climat de France Hotels
3678 Cumulus Hotels
3679 Silver Legacy Hotel and Casino
3680 Hoteis Othan
3681 Adams Mark Hotels
3682 Sahara Hotel and Casino
3683 Bradbury Suites
3684 Budget Hosts Inns
3685 Budgetel Inns
3686 Susse Chalet
3687 Clarion Hotels
3688 Compri Hotels
3689 Consort Hotels
3690 Courtyard by Marriott (Hotel)
3691 Dillon Inn
3692 Doubletree Hotels
3693 Drury Inn
3694 Economy Inns of America
3695 Embassy Suites
3696 Excel Inn
3697 Fairfield Hotels


Code Description
3698 Harley Hotels
3699 Midway Motor Lodge
3700 Motel 6
3701 La Mansion Del Rio
3702 Registry Hotels (Hotel)
3703 Residence Inn
3704 Royce Hotels
3705 Sandman Inn
3706 Shilo Inn
3707 Shoney’s Inn
3708 Virgin River Hotel and Casino
3709 Super 8 Motels
3710 The Ritz-Carlton
3711 Flag Inns (Australia)
3712 Buffalo Bill’s Hotel and Casino
3713 Quality Pacific Hotel
3714 Four Seasons (Australia) Hotels
3715 Fairfield Inn
3716 Carlton Hotels
3717 City Lodge Hotels
3718 Karos Hotels
3719 Protea Hotels
3720 Southern Sun Hotels
3721 Conrad Hotels
3722 Wyndham—WYNDHAM
3723 Rica Hotels


Code Description
3724 Inter Nor Hotels
3725 Sea Pines Resort
3726 Rio Suites
3727 Broadmoor Hotel
3728 Ballys Hotel and Casino
3729 John Ascuagas Nugget
3730 MGM Grand Hotel
3731 Harrahs Hotels and Casinos
3732 Opryland Hotel
3734 Harvey Bristol Hotels
3735 Masters Economy Inns
3736 Colorado Belle Edgewater Resort
3737 Riviera Hotel and Casino
3738 Tropicana Resort and Casino
3739 Woodside Hotels and Resorts
3740 TownePlace Suites
3741 Millennium Broadway Hotel
3742 Club Med
3743 Biltmore Hotel and Suites
3744 Carefree Resorts
3745 St. Regis Hotel
3746 Eliot Hotels
3747 Club Corp/Club Resorts
3748 Wellesley Inns
3749 Beverly Hills Hotel (Hotel)
3750 Crowne Plaza Hotels


Code Description
3751 Homewood Suites
3752 Peabody Hotels
3753 Greenbriar Resorts
3754 Amelia Island Plantation
3755 Homestead (Hotel)
3757 Canyon Ranch
3758 Kahala Mandarin Oriental Hotel
3759 The Orchid at Mauna Lani (Hotel)
3760 Halekulani Hotel/Waikiki Parc
3761 Primadonna Hotel and Casino
3762 Whiskey Pete’s Hotel and Casino
3763 Chateau Elan Winery and Resort
3764 Beau Rivage Hotel and Casino
3765 Bellagio Hotel and Casino
3766 Fremont Hotel and Casino
3767 Main Street Hotel and Casino
3768 Silver Star Hotel and Casino
3769 Stratosphere Hotel and Casino
3770 SpringHill Suites
3771 Caesars Hotel and Casino
3772 Nemacolin Woodlands
3773 Venetian Resort Hotel and Casino (Hotel)
3774 New York, New York Hotel and Casino
3775 Sands Resort
3776 Nevele Grande Resort and Country Club
3777 Mandalay Bay Resort


Code Description
3778 Four Points Hotels
3779 W Hotels
3780 Disneyland Hotels
3781 Patricia Grand Resort Hotels (Hotel)
3782 Rosen Hotels and Resorts
3783 Town and Country Resort & Convention Center
3784 First Hospitality Hotels
3785 Outrigger Hotels & Resorts
3786 Ohana Hotels of Hawaii
3787 Caribe Royale Resort Suites & Villas
3788 Ala Moana Hotel
3796 Peppermill Hotel Casino—PEPPERMILL
3798 Embassy Vacation Resort
3799 Hale Koa Hotel
3800 Homestead Suites (Hotel)
3801 Wilderness Hotel and Golf Resort (Hotel)
3802 The Palace Hotel (Hotel)
3803 The Wigwam Golf Resort and Spa (Hotel)
3804 The Diplomat Country Club and Spa (Hotel)
3805 The Atlantic (Hotel)
3806 Princeville Resort (Hotel)
3807 Element (Hotel)
3808 LXR
3809 Settle Inn (Hotel)
3810 La Costa Resort (Hotel)
3811 Premier Inn (Hotel)


Code Description
3812 HYATT PLACE (Hotel)
3813 HOTEL INDIGO (Hotel)
3814 THE ROOSEVELT HOTEL NY (Hotel)
3815 Holiday Inn Nickelodeon
3818 MainStay Suites
3819 Oxford Suites
3820 Jumeirah Essex House
3821 Caribe Royal
3822 Crossland
3823 Grand Sierra Resort
3824 Aria (Aria Resort and Casino)
3825 Vdara (Vdara Hotel and Spa)
4011 Railroads—Freight
4111 Transportation—Suburban and Local Commuter Passenger, including

Ferries
4112 Passenger Railways
4119 Ambulance Services
4121 Limousines and Taxicabs
4131 Bus Lines
4214 Motor Freight Carriers, Trucking—Local/Long Distance, Moving and

Storage Companies, Local Delivery
4215 Courier Services—Air and Ground, Freight Forwarders
4225 Public Warehousing—Farm Products, Refrigerated Goods, Household

Goods Storage
4411 Cruise Lines
4457 Boat Leases and Boat Rentals
4468 Marinas, Marine Service/Supplies


Code Description
4511 Air Carriers, Airlines—not classified elsewhere
4582 Airports, Airport Terminals, Flying Fields
4722 Travel Agencies and Tour Operators
4784 Bridge and Road Fees, Tolls
4789 Transportation Services—not elsewhere classified
4812 Telecommunication Equipment Including Telephone Sales
4813 Key-entry Telecom Merchant providing single local and long-distance

phone calls using a central access number in a non–face-to-face
environment using key entry
4814 Calls placed using magnetic stripe-reading telephones—use a TCC of R
4815 MasterPhone™ Telephone Service—Monthly Summary Telephone

Charges
4816 Computer Network/Information Services Wholesale Distributors and

Manufacturers are noted by an asterisk.
4821 Telegraph Services
4829 Money Transfer—Merchant
4899 Cable and other Pay Television Services
4900 Utilities—Electric, Gas, Heating Oil, Sanitary, Water. The ongoing

generation, transmission, or distribution of electricity, gas (natural or
propane), home heating oil, water system supply services, or collection
and disposal of refuse.
5013 Motor Vehicle Supplies and New Parts*
5021 Office and Commercial Furniture*
5039 Construction Materials—not elsewhere classified*
5044 Office, Photographic, Photocopy, and Microfilm Equipment*
5045 Computers, Computer Peripheral Equipment, Software*
5046 Commercial Equipment—not elsewhere classified*
5047 Dental/Laboratory/Medical/Ophthalmic Hospital Equipment and

Supplies*


Code Description
5051 Metal Service Centers and Offices*
5065 Electrical Parts and Equipment*
5072 Hardware Equipment and Supplies*
5074 Plumbing and Heating Equipment*
5085 Industrial Supplies—not elsewhere classified*
5094 Precious Stones and Metals, Watches and Jewelry*
5099 Durable Goods—not elsewhere classified*
5111 Stationery, Office Supplies, Printing and Writing Paper*
5122 Drugs, Drug Proprietaries, and Druggists Sundries*
5131 Piece Goods, Notions, and Other Dry Goods*
5137 Men’s, Women’s, and Children’s Uniforms and Commercial Clothing*
5139 Commercial Footwear*
5169 Chemicals and Allied Products—not elsewhere classified*
5172 Petroleum and Petroleum Products*
5192 Books, Periodicals and Newspapers*
5193 Florists Supplies, Nursery Stock, and Flowers*
5198 Paints, Varnishes, and Supplies*
5199 Nondurable Goods—not elsewhere classified*
5200 Home Supply Warehouse Stores
5211 Building Materials, Lumber Stores
5231 Glass, Paint, Wallpaper Stores
5251 Hardware Stores
5261 Lawn and Garden Supply Stores
5271 Mobile Home Dealers
5300 Wholesale Clubs
5309 Duty Free Stores


Code Description
5310 Discount Stores
5311 Department Stores
5331 Variety Stores
5399 Miscellaneous General Merchandise
5411 Grocery Stores, Supermarkets
5422 Freezer, Locker Meat Provisioners
5441 Candy, Nut, Confectionery Stores
5451 Dairy Products Stores
5462 Bakeries
5499 Miscellaneous Food Stores—Convenience Stores, Markets, Specialty

Stores, and Vending Machines
5511 Automobile and Truck Dealers—Sales, Service, Repairs, Parts, and

Leasing
5521 Automobile and Truck Dealers—(Used Only)—Sales
5532 Automotive Tire Stores
5533 Automotive Parts, Accessories Stores
5541 Service Stations (with or without Ancillary Services)
5542 Fuel Dispenser, Automated
5551 Boat Dealers
5561 Camper Dealers, Recreational and Utility Trailers
5571 Motorcycle Shops and Dealers
5592 Motor Home Dealers
5598 Snowmobile Dealers
5599 Miscellaneous Automotive, Aircraft, and Farm Equipment Dealers—not

elsewhere classified
5611 Men’s and Boys’ Clothing and Accessories Stores
5621 Women’s Ready to Wear Stores


Code Description
5631 Women’s Accessory and Specialty Stores
5641 Children’s and Infants’ Wear Stores
5651 Family Clothing Stores
5655 Sports Apparel, Riding Apparel Stores
5661 Shoe Stores
5681 Furriers and Fur Shops
5691 Men’s and Women’s Clothing Stores
5697 Alterations, Mending, Seamstresses, Tailors
5698 Wig and Toupee Shops
5699 Accessory and Apparel Stores—Miscellaneous
5712 Equipment, Furniture, and Home Furnishings Stores (except Appliances)
5713 Floor Covering Stores
5714 Drapery, Upholstery, and Window Coverings Stores
5718 Fireplace, Fireplace Screens and Accessories Stores
5719 Miscellaneous House Furnishing Specialty Shops
5722 Household Appliance Stores
5732 Electronic Sales
5733 Music Stores—Musical Instruments, Pianos, Sheet Music
5734 Computer Software Stores
5735 Record Shops
5811 Caterers
5812 Eating Places, Restaurants
5813 Bars, Cocktail Lounges, Discotheques, Nightclubs, and Taverns—Drinking

Places (Alcoholic Beverages)
5814 Fast Food Restaurants
5912 Drug Stores, Pharmacies


Code Description
5921 Package Stores, Beer, Wine, Liquor
5931 Second Hand Stores, Used Merchandise Stores
5932 Antique Shops—Sales, Repairs, and Restoration Services
5933 Pawn Shops
5935 Salvage and Wrecking Yards
5937 Antique Reproduction Stores
5940 Bicycle Shops—Sales and Service
5941 Sporting Goods Stores
5942 Book Stores
5943 Office, School Supply, and Stationery Stores
5944 Clock, Jewelry, Watch, and Silverware Store
5945 Game, Toy, and Hobby Shops
5946 Camera and Photographic Supply Stores
5947 Card, Gift, Novelty, and Souvenir Shops
5948 Leather Goods and Luggage Stores
5949 Fabric, Needlework, Piece Goods, and Sewing Stores
5950 Crystal and Glassware Stores
5960 Direct Marketing—Insurance Services
5962 Direct Marketing—Travel-Related Arrangement Services
5963 Door-to-Door Sales
5964 Direct Marketing—Catalog Merchants
5965 Direct Marketing—Combination Catalog and Retail Merchants
5966 Direct Marketing—Outbound Telemarketing Merchants
5967 Direct Marketing—Inbound Telemarketing Merchants
5968 Direct Marketing—Continuity/Subscription Merchants
5969 Direct Marketing—Other Direct Marketers—not elsewhere classified


Code Description
5970 Artist Supply Stores, Craft Shops
5971 Art Dealers and Galleries
5972 Stamp and Coin Stores—Philatelic and Numismatic Supplies
5973 Religious Goods Stores
5975 Hearing Aids—Sales, Service, Supply Stores
5976 Orthopedic Goods—Artificial Limb Stores
5977 Cosmetic Stores
5978 Typewriter Stores—Rentals, Sales, Service
5983 Fuel Dealers—Coal, Fuel Oil, Liquefied Petroleum, Wood
5992 Florists
5993 Cigar Stores and Stands
5994 News Dealers and Newsstands
5995 Pet Shops—Pet Food and Supplies
5996 Swimming Pools—Sales and Supplies
5997 Electric Razor Stores—Sales and Service
5998 Tent and Awning Shops
5999 Miscellaneous and Specialty Retail Stores
6010 Member Financial Institution—Manual Cash Disbursements
6011 Member Financial Institution—Automated Cash Disbursements
6012 Financial Institutions—Merchandise and Services
6050 Quasi Cash—Member Financial Institution
6051 Quasi Cash—Merchant
6211 Securities—Brokers/Dealers
6300 Insurance Sales, Underwriting, and Premiums
6529 Remote Stored Value Load—Member Financial Institution
6530 Remote Stored Value Load—Merchant


Code Description
6531 Payment Service Provider—Payment Transfer for a Purchase
6532 Payment Service Provider—Member Financial Institution—Payment

Transaction
6533 Payment Service Provider—Merchant—Payment Transaction
6534 Money Transfer—Member Financial Institution
6535 Value Purchase-Member Financial Institution
7011 Lodging—Hotels, Motels, Resorts—not elsewhere classified
7012 Timeshares
7032 Recreational and Sporting Camps
7033 Campgrounds and Trailer Parks
7210 Cleaning, Garment, and Laundry Services
7211 Laundry Services—Family and Commercial
7216 Dry Cleaners
7217 Carpet and Upholstery Cleaning
7221 Photographic Studios
7230 Barber and Beauty Shops
7251 Hat Cleaning Shops, Shoe Repair Shops, Shoe Shine Parlors
7261 Funeral Service and Crematories
7273 Dating and Escort Services
7276 Tax Preparation Service
7277 Debt, Marriage, Personal—Counseling Service
7278 Buying/Shopping Clubs, Services
7296 Clothing Rental—Costumes, Uniforms, and Formal Wear
7297 Massage Parlors
7298 Health and Beauty Spas
7299 Other Services—not elsewhere classified


Code Description
7311 Advertising Services
7321 Consumer Credit Reporting Agencies
7333 Commercial Art, Graphics, Photography
7338 Quick Copy, Reproduction, and Blueprinting Services
7339 Stenographic and Secretarial Support Services
7342 Exterminating and Disinfecting Services
7349 Cleaning and Maintenance, Janitorial Services
7361 Employment Agencies, Temporary Help Services
7372 Computer Programming, Data Processing, and Integrated Systems

Design Services
7375 Information Retrieval Services*
7379 Computer Maintenance, Repair, and Services—not elsewhere classified*
7392 Consulting, Management, and Public Relations Services
7393 Detective Agencies, Protective Agencies, Security Services including

Armored Cars, Guard Dogs
7394 Equipment Rental and Leasing Services, Furniture Rental, Tool Rental
7395 Photo Developing, Photofinishing Laboratories
7399 Business Services—not elsewhere classified
7511 Truck Stop Transactions
7512 Automobile Rental Agency—not elsewhere classified
7513 Truck Rental
7519 Motor Home and Recreational Vehicle Rental
7523 Automobile Parking Lots and Garages
7531 Automotive Body Repair Shops
7534 Tire Retreading and Repair Shops
7535 Automotive Paint Shops
7538 Automotive Service Shops


Code Description
7542 Car Washes
7549 Towing Services
7622 Electronic Repair Shops
7623 Air Conditioning and Refrigeration Repair Shops
7629 Appliance Repair Shops, Electrical and Small
7631 Clock, Jewelry, and Watch Repair Shops
7641 Furniture—Reupholstery and Repair, Refinishing
7692 Welding Repair
7699 Miscellaneous Repair Shops and Related Services
7829 Motion Picture and Video Tape Production and Distribution*
7832 Motion Picture Theaters
7841 Video Entertainment Rental Stores
7911 Dance Halls, Schools, and Studios
7922 Theatrical Producers (except Motion Pictures), Ticket Agencies
7929 Bands, Orchestras, and Miscellaneous Entertainers—not elsewhere

classified
7932 Pool and Billiard Establishments
7933 Bowling Alleys
7941 Athletic Fields, Commercial Sports, Professional Sports Clubs, Sports

Promoters
7991 Tourist Attractions and Exhibits
7992 Golf Courses, Public
7993 Video Amusement Game Supplies
7994 Video Game Arcades/Establishments
7995 Gambling Transactions
7996 Amusement Parks, Carnivals, Circuses, Fortune Tellers


Code Description
7997 Clubs—Country Clubs, Membership (Athletic, Recreation, Sports), Private

Golf Courses
7998 Aquariums, Dolphinariums, and Seaquariums
7999 Recreation Services—not elsewhere classified
8011 Doctors—not elsewhere classified
8021 Dentists, Orthodontists
8031 Osteopathic Physicians
8041 Chiropractors
8042 Optometrists, Ophthalmologists
8043 Opticians, Optical Goods, and Eyeglasses
8049 Chiropodists, Podiatrists
8071 Dental and Medical Laboratories
8099 Health Practitioners, Medical Services—not elsewhere classified
8111 Attorneys, Legal Services
8211 Schools, Elementary and Secondary
8241 Schools, Correspondence
8244 Schools, Business and Secretarial
8249 Schools, Trade and Vocational
8299 Schools and Educational Services—not elsewhere classified
8351 Child Care Services
8398 Organizations, Charitable and Social Service
8641 Associations—Civic, Social, and Fraternal
8651 Organizations, Political
8661 Organizations, Religious
8675 Automobile Associations
8699 Organizations, Membership—not elsewhere classified


Code Description
8734 Testing Laboratories (Non-Medical)*
8911 Architectural, Engineering, and Surveying Services
8931 Accounting, Auditing, and Bookkeeping Services
8999 Professional Services—not elsewhere classified
9211 Court Costs including Alimony and Child Support
9222 Fines
9223 Bail and Bond Payments
9311 Tax Payments
9399 Government Services—not elsewhere classified
9402 Postal Services—Government Only
9405 Intra-Government Purchases—Government Only
9751 U.K. Supermarkets, Electronic Hot File
9752 U.K. Petrol Stations, Electronic Hot File
9754 Gambling - Horse Racing, Dog Racing, State Lotteries

* Denotes wholesale distributors and manufacturers.
Merchant Type Codes - Alphabetical Order

Table 8.2: Merchant Type Codes – Alphabetical Order
Code Description
3412 A1 Rent-A-Car
3374 Accent Rent-A-Car
5699 Accessory and Apparel Stores—Miscellaneous
8931 Accounting, Auditing, and Bookkeeping Services
3354 Action Auto Rental
3681 Adams Mark Hotels
3064 Adria Airways—ADRIA AIR
3441 Advantage Rent A Car

Table 8.2: Merchant Type Codes – Alphabetical Order (cont.)

Code Description
7311 Advertising Services
3043 Aer Lingus—AERLING
3287 Aero Coach Aviation—AEROCOAC
3167 Aero Continente—AEROCONTINENTE
3285 Aero Peru—AEROPERU
3263 Aero Servicio Carabobo—ASC AIRLINE
3286 Aero. Nicaraguenses—AERO NIC
3011 Aeroflot—AEROFLOT
3030 Aerolineas Argentinas—AERO ARG
3076 Aeromexico—AEROMEXI
3351 Affiliated Auto Rental
3364 Agency Rent-A-Car
0763 Agricultural Cooperatives
3083 Air Afrique—AIRAFRIQUE
3021 Air Algerie—AIRALGER
3236 Air Arabia Airline—AIR ARABIA
3068 Air Astana – AIR ASTANA
3296 Air Berlin - AIR BERLIN
3071 Air British Columbia—AIR B R C
3009 Air Canada—AIR CANA
4511 Air Carriers, Airlines—not elsewhere classified
3261 Air China—AIR CHINA
7623 Air Conditioning and Refrigeration Repair Shops
1711 Air Conditioning, Heating, and Plumbing Contractors
3282 Air Djibouti—AIR DJIB
3007 Air France—AIR FRAN


Code Description
3020 Air India—AIR-INDI
3065 Air Inter—AIRINTER
3280 Air Jamaica—AIR JAMA
3044 Air Lanka—AIR LANKA
3148 Air Littoral, S.A.—LITTORAL
3028 Air Malta—AIRMALTA
3298 Air Mauritius—AIRMAURI
3025 Air New Zealand Limited International—AIR NZ
3267 Air Panama International—AIR PANA
3266 Air Seychelles—AIR SEYC
3151 Air Zaire—AIRZAIRE
3096 Air Zimbabwe—AIRZIMBA
4582 Airports, Airport Terminals, Flying Fields
3177 AirTran Airways—AIRTRANAIR
3361 Airways Rent-A-Car
3376 Ajax Rent-A-Car
3788 Ala Moana Hotel
3560 Aladdin Resort and Casino
3387 Alamo Rent-A-Car
3256 Alaska Airlines Inc.—ALASKA A
3013 Alitalia—ALITALIA
3161 All Nippon Airways—ANAAIR
3421 Allstate Rent-A-Car
3252 ALM Antilean Airlines—ALM
3619 aloft (Hotel)
5697 Alterations, Mending, Seamstresses, Tailors


Code Description
3362 Altra Auto Rental
4119 Ambulance Services
3754 Amelia Island Plantation
3253 America West—AMERWEST
3617 America’s Best Value Inn (Hotel)
3001 American Airlines—AMERICAN
3352 American International
3517 Americana Hotels
3614 AmericInn (Hotel)
3514 Amerisuites
3536 AMFAC Hotels
7996 Amusement Parks, Carnivals, Circuses, Fortune Tellers
3537 ANA Hotels
3420 ANSA International
3033 Ansett Airlines—ANSETT
5937 Antique Reproduction Stores
5932 Antique Shops—Sales, Repairs, and Restoration Services
7629 Appliance Repair Shops, Electrical and Small
7998 Aquariums, Dolphinariums, and Seaquariums
3511 Arabella Hotels
3670 Arcade Hotels
8911 Architectural, Engineering, and Surveying Services
3671 Arctia Hotels
3824 Aria (Aria Resort and Casino)
3594 Arizona Biltmore
5971 Art Dealers and Galleries


Code Description
5970 Artist Supply Stores, Craft Shops
3098 Asiana Airlines—ASIANA AIR
8641 Associations—Civic, Social, and Fraternal
7941 Athletic Fields, Commercial Sports, Professional Sports Clubs, Sports

Promoters
8111 Attorneys, Legal Services
3549 Auberge des Governeures
3243 Austrian Air Service—AUSTRAIR
3051 Austrian Airlines—AUSTRIAN
3400 Auto Host Car Rental
3436 Autohansa Rent-A-Car
3425 Automate Rent-A-Car
5521 Automobile and Truck Dealers—(Used Only)—Sales
5511 Automobile and Truck Dealers—Sales, Service, Repairs, Parts, and

Leasing
8675 Automobile Associations
7523 Automobile Parking Lots and Garages
7512 Automobile Rental Agency—not elsewhere classified
7531 Automotive Body Repair Shops
7535 Automotive Paint Shops
5533 Automotive Parts, Accessories Stores
7538 Automotive Service Shops
5532 Automotive Tire Stores
3423 Avcar Rent-A-Car
3242 Avensa—AVENSA
3053 AVIACO (Spain)—AVIACO
3039 Avianca—AVIANCA


Code Description
3241 Aviateca (Guatemala)—AVIATECA
3389 Avis Rent A Car
3427 Avon Rent-A-Car
3240 Bahamasair—BAHAMASA
9223 Bail and Bond Payments
5462 Bakeries
3041 Balkan—Bulgarian Airlines—BALKAN
3728 Ballys Hotel and Casino
7929 Bands, Orchestras, and Miscellaneous Entertainers—not elsewhere

classified
3239 Bar Harbor Airlines—BARHARBO
7230 Barber and Beauty Shops
5813 Bars, Cocktail Lounges, Discotheques, Nightclubs, and Taverns—Drinking

Places (Alcoholic Beverages)
3556 Barton Creek Resort
3764 Beau Rivage Hotel and Casino
3765 Bellagio Hotel and Casino
3502 Best Western Hotels
3749 Beverly Hills Hotel (Hotel)
5940 Bicycle Shops—Sales and Service
3743 Biltmore Hotel and Suites
3620 Binion’s Horseshoe Club
5551 Boat Dealers
4457 Boat Leases and Boat Rentals
5942 Book Stores
5192 Books, Periodicals and Newspapers*
7933 Bowling Alleys


Code Description
3106 Braathens S.A.F.E. (Norway)—BRAATHEN
3683 Bradbury Suites
3547 Breakers Resort (Hotel)
4784 Bridge and Road Fees, Tolls
3005 British Airways—BRITISH AWYS
3111 British Midland—BRITISH M
3727 Broadmoor Hotel
3353 Brooks Rent A Car
3684 Budget Hosts Inns
3366 Budget Rent-A-Car
3685 Budgetel Inns
3712 Buffalo Bill’s Hotel and Casino
5211 Building Materials, Lumber Stores
4131 Bus Lines
7399 Business Services—not elsewhere classified
7278 Buying/Shopping Clubs, Services
3611 C MON INN
4899 Cable and other Pay Television Services
3771 Caesars Hotel and Casino
3582 California Hotel and Casino
4814 Calls placed using magnetic stripe-reading telephones—use a TCC of R
5946 Camera and Photographic Supply Stores
3672 Campanile Hotels
5561 Camper Dealers, Recreational and Utility Trailers
7033 Campgrounds and Trailer Parks
3171 Canadian Airlines—CANADIAN


Code Description
3559 Candlewood Suites
5441 Candy, Nut, Confectionery Stores
3757 Canyon Ranch
7542 Car Washes
5947 Card, Gift, Novelty, and Souvenir Shops
3744 Carefree Resorts
3428 Carey Rent-A-Car
3234 Caribbean Airlines – CARIBBEANAIR
3821 Caribe Royale
3787 Caribe Royale Resort Suites & Villas
3716 Carlton Hotels
1750 Carpentry Contractors
7217 Carpet and Upholstery Cleaning
5811 Caterers
3099 Cathay Pacific—CATHAYPA
3228 Cayman Airways—CAYMANAI
3072 CEBU PAC-CEBU Pacific Airlines
3763 Chateau Elan Winery and Resort
5169 Chemicals and Allied Products—not elsewhere classified*
8351 Child Care Services
5641 Children’s and Infants’ Wear Stores
3078 China Airlines—CHINAAIR
3206 China Eastern Airlines—CHINEASTAIR
8049 Chiropodists, Podiatrists
8041 Chiropractors
3544 Ciga Hotels


Code Description
5993 Cigar Stores and Stands
3662 Circus Circus Hotel and Casino
3717 City Lodge Hotels
3687 Clarion Hotels
7349 Cleaning and Maintenance, Janitorial Services
7210 Cleaning, Garment, and Laundry Services
3677 Climat de France Hotels
7631 Clock, Jewelry, and Watch Repair Shops
5944 Clock, Jewelry, Watch, and Silverware Store
7296 Clothing Rental—Costumes, Uniforms, and Formal Wear
3747 Club Corp/Club Resorts
3742 Club Med
7997 Clubs—Country Clubs, Membership (Athletic, Recreation, Sports), Private

Golf Courses
3552 Coast Hotel
3736 Colorado Belle Edgewater Resort
3223 Comair—COMAIR
3562 Comfort Inns
3222 Command Airways—COMMAND
7333 Commercial Art, Graphics, Photography
5046 Commercial Equipment—not elsewhere classified*
5139 Commercial Footwear*
3220 Compania Faucett—COMPANIA
3219 Compania Panamena de Aviacion (Copa)—COPA
3688 Compri Hotels
7379 Computer Maintenance, Repair, and Services—not elsewhere classified*


Code Description
4816 Computer Network/Information Services Wholesale Distributors and

Manufacturers are noted by an asterisk.
7372 Computer Programming, Data Processing, and Integrated Systems

Design Services
5734 Computer Software Stores
5045 Computers, Computer Peripheral Equipment, Software*
3538 Concorde Hotels
1771 Concrete Work Contractors
3721 Conrad Hotels
3689 Consort Hotels
5039 Construction Materials—not elsewhere classified*
7392 Consulting, Management, and Public Relations Services
7321 Consumer Credit Reporting Agencies
3061 Continental—CONTINEN
1799 Contractors, Special Trade—not elsewhere classified
5977 Cosmetic Stores
4215 Courier Services—Air and Ground, Freight Forwarders
9211 Court Costs including Alimony and Child Support
3690 Courtyard by Marriott (Hotel)
3529 CP (Canadian Pacific) Hotels
3088 Croatia Air—CROATIA AIR
3822 Crossland
3750 Crowne Plaza Hotels
4411 Cruise Lines
3046 Cruzerio do Sul (Brazil)—CRUZERIO
5950 Crystal and Glassware Stores
3217 CSA Ceskoslovenske Aerolinie—CSA


Code Description
3678 Cumulus Hotels
3593 Cunard Hotels
3292 Cyprus Airways—CYPRUSA
5451 Dairy Products Stores
3629 Dan Hotels
7911 Dance Halls, Schools, and Studios
7273 Dating and Escort Services
3510 Days Inns
3059 DBA Airlines—DBA AIR
3648 De Vera Hotels
7277 Debt, Marriage, Personal—Counseling Service
3581 Delta Hotels
3058 Delta—DELTA
8071 Dental and Medical Laboratories
5047 Dental/Laboratory/Medical/Ophthalmic Hospital Equipment and

Supplies*
8021 Dentists, Orthodontists
5311 Department Stores
7393 Detective Agencies, Protective Agencies, Security Services including

Armored Cars, Guard Dogs
3691 Dillon Inn
5964 Direct Marketing—Catalog Merchants
5965 Direct Marketing—Combination Catalog and Retail Merchants
5968 Direct Marketing—Continuity/Subscription Merchants
5967 Direct Marketing—Inbound Telemarketing Merchants
5960 Direct Marketing—Insurance Services
5969 Direct Marketing—Other Direct Marketers—not elsewhere classified


Code Description
5966 Direct Marketing—Outbound Telemarketing Merchants
5962 Direct Marketing—Travel-Related Arrangement Services
5310 Discount Stores
3780 Disneyland Hotels
8011 Doctors—not elsewhere classified
3390 Dollar Rent A Car
3212 Dominicana de Aviacion—DOMINICA
5963 Door-to-Door Sales
3589 Doral Golf Resort
3587 Doral Hotels
3623 Dorint Hotels
3692 Doubletree Hotels
3527 Downtowner Passport
3004 Dragon Airlines - Dragonair
5714 Drapery, Upholstery, and Window Coverings Stores
5912 Drug Stores, Pharmacies
5122 Drugs, Drug Proprietaries, and Druggists Sundries*
3693 Drury Inn
7216 Dry Cleaners
3525 Dunfey Hotels
5099 Durable Goods—not elsewhere classified*
5309 Duty Free Stores
3245 EasyJet Airlines—EASYJET AIR
5812 Eating Places, Restaurants
3398 Econo Car Rent-A-Car
3644 EconoLodges


Code Description
3694 Economy Inns of America
3293 Ecuatoriana—ECUATORI
3037 EgyptAir—EGYPTAIR
3032 El Al—EL AL
3669 Eldorado Hotel and Casino
5997 Electric Razor Stores—Sales and Service
1731 Electrical Contractors
5065 Electrical Parts and Equipment*
7622 Electronic Repair Shops
5732 Electronic Sales
3807 Element (Hotel)
3746 Eliot Hotels
3652 Embassy Hotels
3695 Embassy Suites
3798 Embassy Vacation Resort
3026 Emirates Airlines—EMIRATES
7361 Employment Agencies, Temporary Help Services
3405 Enterprise Rent-A-Car
7394 Equipment Rental and Leasing Services, Furniture Rental, Tool Rental
5712 Equipment, Furniture, and Home Furnishings Stores (except Appliances)
3294 Ethiopian Airlines—ETHIOPIA
3034 Etihad Airways-ETIHADAIR
3003 Eurofly Air
3381 Europ Car
3391 Europe By Car
3084 Eva Airways—EVA AIR


Code Description
3628 Excalibur Hotel and Casino
3696 Excel Inn
3621 Extended Stay (Hotel)
3627 Extended Stay America (Hotel)
3630 Extended Stay Deluxe (Hotel)
7342 Exterminating and Disinfecting Services
5949 Fabric, Needlework, Piece Goods, and Sewing Stores
3697 Fairfield Hotels
3715 Fairfield Inn
3590 Fairmont Hotels
5651 Family Clothing Stores
5814 Fast Food Restaurants
6012 Financial Institutions—Merchandise and Services
9222 Fines
3042 Finnair—FINNAIR
5718 Fireplace, Fireplace Screens and Accessories Stores
3784 First Hospitality Hotels
3664 Flag Inns
3711 Flag Inns (Australia)
5713 Floor Covering Stores
5992 Florists
5193 Florists Supplies, Nursery Stock, and Flowers*
3607 Fontainebleau Resort
3505 Forte Hotels
3570 Forum Hotels
3778 Four Points Hotels


Code Description
3714 Four Seasons (Australia) Hotels
3543 Four Seasons Hotels
3578 Frankenmuth Bavaria
3204 Freedom Airlines—FREEDOM
5422 Freezer, Locker Meat Provisioners
3766 Fremont Hotel and Casino
3507 Friendship Inns
3132 Frontier Airlines—FRONTIER AIR
5983 Fuel Dealers—Coal, Fuel Oil, Liquefied Petroleum, Wood
5542 Fuel Dispenser, Automated
7261 Funeral Service and Crematories
7641 Furniture—Reupholstery and Repair, Refinishing
5681 Furriers and Fur Shops
9754 Gambling - Horse Racing, Dog Racing, State Lotteries
7995 Gambling Transactions
5945 Game, Toy, and Hobby Shops
3566 Garden Place Hotel
3103 Garuda (Indonesia)—GARUDA
3608 Gaylord Opryland
3609 Gaylord Palms
3610 Gaylord Texan
1520 General Contractors—Residential and Commercial
3409 General Rent-A-Car
3019 Germanwings—GRMNWNGSAIR
5231 Glass, Paint, Wallpaper Stores
3156 GO FLY Ltd.—GOFLY


Code Description
3247 Gol Airlines—GOL
3561 Golden Nugget
3506 Golden Tulip Hotels
7992 Golf Courses, Public
9399 Government Services—not elsewhere classified
3823 Grand Sierra Resort
3571 Grand Wailea Resort
3618 Great Wolf (Hotel)
3753 Greenbriar Resorts
5411 Grocery Stores, Supermarkets
3040 Gulf Air (Bahrain)—GULF AIR
3200 Guyana Airways—GUYANA A
3799 Hale Koa Hotel
3760 Halekulani Hotel/Waikiki Parc
3665 Hampton Inn Hotels
3062 Hapag - Lloyd Express Airlines—HLX AIR
5072 Hardware Equipment and Supplies*
5251 Hardware Stores
3698 Harley Hotels
3731 Harrahs Hotels and Casinos
3734 Harvey Bristol Hotels
7251 Hat Cleaning Shops, Shoe Repair Shops, Shoe Shine Parlors
3197 Havasu Airlines—HAVASUAI
3196 Hawaiian Air—HAWAIIAN
7298 Health and Beauty Spas
8099 Health Practitioners, Medical Services—not elsewhere classified


Code Description
5975 Hearing Aids—Sales, Service, Supply Stores
3588 Helmsley Hotels
3616 Hermitage Hotel
3357 Hertz
3604 Hilton Garden Inn
3504 Hilton Hotels
3535 Hilton International
3501 Holiday Inns
3815 Holiday Inn Nickelodeon
3368 Holiday Rent-A-Car
5200 Home Supply Warehouse Stores
3755 Homestead (Hotel)
3800 Homestead Suites (Hotel)
3751 Homewood Suites
0780 Horticultural and Landscaping Services
3595 Hospitality Inns
3680 Hoteis Othan
3580 Hotel Del Coronado
3533 Hotel Ibis
3813 Hotel Indigo (Hotel)
3579 Hotel Mercure
3541 Hotel Okura
3546 Hotel Sierra
3625 Hotel Universale
3663 Hoteles El Presidente
3548 Hotels Melia


Code Description
5722 Household Appliance Stores
3638 Howard Johnson
3602 Hudson Hotel
3585 Hungar Hotels
3647 Husa Hotels
3640 Hyatt Hotels
3812 Hyatt Place (Hotel)
3102 Iberia—IBERIA
3540 Iberotel Hotels
3673 IBUSZ Hotels
3050 Icelandair—ICELANDA
3651 Imperial London Hotels
3193 Indian Airlines—INDIAN A
5085 Industrial Supplies—not elsewhere classified*
7375 Information Retrieval Services*
1740 Insulation, Masonry, Plastering, Stonework, and Tile Setting Contractors
3429 Insurance Rent-A-Car
6300 Insurance Sales, Underwriting, and Premiums
3724 Inter Nor Hotels
3512 Intercontinental Hotels
3438 Interent Rent-A-Car
3675 Interhotel CEDOK
9405 Intra-Government Purchases—Government Only
3192 Iran Air—IRANAIR
3191 Island Airlines—ISLANDAI
3006 Japan Air Lines—JAL


Code Description
3606 Jefferson Hotel
3174 JetBlue Airways—JETBLUE
3079 Jetstar Airways—JETSTAR
3729 John Ascuagas Nugget
3558 Jolly Hotels
3563 Journey’s End Motels
3190 Jugoslav Air—JUGOSLAV
3820 Jumeirah Essex House
3605 Jurys Doyle Hotel Group
3758 Kahala Mandarin Oriental Hotel
3718 Karos Hotels
3531 Kauai Coconut Beach Resort—KAUAI COCONUT BEACH RSRT
3394 Kemwell Group Rent-A-Car
3295 Kenya Airways—KENYAAIR
4813 Key-entry Telecom Merchant providing single local and long-distance

phone calls using a central access number in a non–face-to-face
environment using key entry
3660 Knights Inn
3082 Korean Airlines—KOREAN
3038 Kuwait Airways—KUWAIT
3810 La Costa Resort (Hotel)
3701 La Mansion Del Rio
3055 LAB (Bolivia)—LAB
3187 LACSA (Costa Rica)—LACSA
3568 Ladbroke Hotels
3054 LADECO (Chile)—LADECO
3624 Lady Luck Hotel and Casino


Code Description
3052 LAN Airlines - LAN AIR
3186 LAP Lineas Aereas Paraguayas—LAP
3516 LaQuinta Inns
3576 LaQuinta Resort
7211 Laundry Services—Family and Commercial
3185 LAV Linea Aeropostal Venezolana—LAV
5261 Lawn and Garden Supply Stores
5948 Leather Goods and Luggage Stores
3184 LIAT—LIAT
4121 Limousines and Taxicabs
7011 Lodging—Hotels, Motels, Resorts—not elsewhere classified
3654 Loews Hotels
3182 LOT - Polish Airlines—LOT
3808 LXR
3008 Lufthansa—LUFTHAN
3146 Luxair—LUXAIR
3667 Luxor Hotel and Casino
3818 MainStay Suites
3767 Main Street Hotel and Casino
3430 Major Rent-A-Car
3100 Malaysian Airline System—MALAY AI
3181 Malev Hungarian Airlines—MALEV
3213 Malmo Aviation—MALMO AIR
3777 Mandalay Bay Resort
3577 Mandarin Oriental Hotels
3557 Manhattan East Suite Hotels


Code Description
4468 Marinas, Marine Service/Supplies
3668 Maritim Hotels
3509 Marriott
7297 Massage Parlors
4815 MasterPhone™ Telephone Service—Monthly Summary Telephone

Charges
3735 Masters Economy Inns
6011 Member Financial Institution—Automated Cash Disbursements
6010 Member Financial Institution—Manual Cash Disbursements
5611 Men’s and Boys’ Clothing and Accessories Stores
5691 Men’s and Women’s Clothing Stores
5137 Men’s, Women’s, and Children’s Uniforms and Commercial Clothing*
3520 Meridien Hotels
3622 Merlin Hotel Group
3178 Mesa Air—MESA AIR
5051 Metal Service Centers and Offices*
3087 Metro Airlines—METROAI
3661 Metropole Hotels
3023 Mexicana—MEXICANA
3730 MGM Grand Hotel
3613 Microtel Inns & Suites (Hotel)
3175 Middle East Air—MIDEASTA
3699 Midway Motor Lodge
3085 Midwest Express Airlines—MIDWEST EXP
3741 Millennium Broadway Hotel
3439 Milleville Rent-A-Car


Code Description
3551 Mirage Hotel and Casino
5999 Miscellaneous and Specialty Retail Stores
5599 Miscellaneous Automotive, Aircraft, and Farm Equipment Dealers—not

elsewhere classified
5499 Miscellaneous Food Stores—Convenience Stores, Markets, Specialty

Stores, and Vending Machines
5399 Miscellaneous General Merchandise
5719 Miscellaneous House Furnishing Specialty Shops
2741 Miscellaneous Publishing and Printing*
7699 Miscellaneous Repair Shops and Related Services
3572 Miyako Hotel
5271 Mobile Home Dealers
6534 Money Transfer—Member Financial Institution
4829 Money Transfer—Merchant
3676 Monte Carlo Hotel and Casino
3700 Motel 6
7829 Motion Picture and Video Tape Production and Distribution*
7832 Motion Picture Theaters
4214 Motor Freight Carriers, Trucking—Local/Long Distance, Moving and

Storage Companies, Local Delivery
7519 Motor Home and Recreational Vehicle Rental
5592 Motor Home Dealers
5013 Motor Vehicle Supplies and New Parts*
5571 Motorcycle Shops and Dealers
3639 Mount Charlotte Thistle
3612 Movenpick Hotels
5733 Music Stores—Musical Instruments, Pianos, Sheet Music


Code Description
3172 Nation Air—NATIONAI
3393 National Car Rental
3772 Nemacolin Woodlands
3776 Nevele Grande Resort and Country Club
3774 New York, New York Hotel and Casino
5994 News Dealers and Newsstands
3815 NICKELODEON SUITES
3045 Nigeria Airways—NIGERIA
3603 Noah’s Hotel
5199 Nondurable Goods—not elsewhere classified*
3164 Norontair—NORONTAI
3060 Northwest Airlines—NWA AIR
3211 Norwegian Air Shuttle—NORWEGIANAIR
3642 Novotel Hotels
3657 Oberoi Hotels
5021 Office and Commercial Furniture*
5044 Office, Photographic, Photocopy, and Microfilm Equipment*
5943 Office, School Supply, and Stationery Stores
3786 Ohana Hotels of Hawaii
3031 Olympic Airways—OLYMPICA
3592 Omni Hotels
3732 Opryland Hotel
8043 Opticians, Optical Goods, and Eyeglasses
8042 Optometrists, Ophthalmologists
3759 Orchid at Mauna Lani (Hotel)
8398 Organizations, Charitable and Social Service


Code Description
8699 Organizations, Membership—not elsewhere classified
8651 Organizations, Political
8661 Organizations, Religious
5976 Orthopedic Goods—Artificial Limb Stores
8031 Osteopathic Physicians
3658 Otani Hotels
7299 Other Services—not elsewhere classified
3785 Outrigger Hotels & Resorts
3819 Oxford Suites
5921 Package Stores, Beer, Wine, Liquor
5198 Paints, Varnishes, and Supplies*
3024 Pakistan International—PAKISTAN
3002 Pan American—PAN AM AIR
3599 Pannonia Hotels
3553 Park Inns International
4112 Passenger Railways
3781 Patricia Grand Resort Hotels (Hotel)
5933 Pawn Shops
3359 Payless Car Rental
6532 Payment Service Provider—Member Financial Institution—Payment

Transaction
6533 Payment Service Provider—Merchant—Payment Transaction
6531 Payment Service Provider—Payment Transfer for a Purchase
3752 Peabody Hotels
3523 Peninsula Hotels
3653 Penta Hotels


Code Description
3796 Peppermill Hotel Casino—PEPPERMILL
5995 Pet Shops—Pet Food and Supplies
5172 Petroleum and Petroleum Products*
3022 Philippine Airlines—PAL AIR
3632 Phoenician (Hotel)
7395 Photo Developing, Photofinishing Laboratories
7221 Photographic Studios
5131 Piece Goods, Notions, and Other Dry Goods*
3554 Pinehurst Resort
5074 Plumbing and Heating Equipment*
7932 Pool and Billiard Establishments
9402 Postal Services—Government Only
5094 Precious Stones and Metals, Watches and Jewelry*
3811 Premier Inn (Hotel)
3761 Primadonna Hotel and Casino
3526 Prince Hotels
3584 Princess Hotels International
3806 Princeville Resort
8999 Professional Services—not elsewhere classified
3719 Protea Hotels
3159 Provincetown-Boston Airways—PBA
4225 Public Warehousing—Farm Products, Refrigerated Goods, Household

Goods Storage
3519 Pullman International Hotels
3012 Qantas—QANTAS
3136 Qatar Airways Company W.L.L.—QATAR AIR


Code Description
3508 Quality Inns
3713 Quality Pacific Hotel
6050 Quasi Cash—Member Financial Institution
6051 Quasi Cash—Merchant
3645 Queens Moat Houses
7338 Quick Copy, Reproduction, and Blueprinting Services
3649 Radisson Hotels
4011 Railroads—Freight
3637 Ramada Inns
3633 Rank Hotels
3674 Rantasipi Hotels
5735 Record Shops
7999 Recreation Services—not elsewhere classified
7032 Recreational and Sporting Camps
3528 Red Lion Inns
3650 Red Roof Inns
3550 Regal 8 Inns
3598 Regent International Hotel
3702 Registry Hotels (Hotel)
3565 Relax Inns
5973 Religious Goods Stores
6529 Remote Stored Value Load—Member Financial Institution
6530 Remote Stored Value Load—Merchant
3530 Renaissance Hotels
3370 Rent A Wreck
3431 Replacement Rent-A-Car


Code Description
3432 Reserve Rent-A-Car
3703 Residence Inn
3635 Reso Hotel
3723 Rica Hotels
3726 Rio Suites
3597 Riverside Resort Hotel and Casino
3737 Riviera Hotel and Casino
3515 Rodeway Inns
1761 Roofing and Siding, Sheet Metal Work Contractors
3782 Rosen Hotels and Resorts
3048 Royal Air Maroc—AIRMARO
3010 Royal Dutch Airlines (KLM)—KLM
3542 Royal Hotels
3532 Royal Kona Resort
3704 Royce Hotels
3246 Ryanair
3600 Saddlebrook Resort—Tampa
3229 SAETA (Sociedad Ecuatorianas De Transportes Aereo)—SAETAAIR
3682 Sahara Hotel and Casino
3231 SAHSA (Servicio Aero de Honduras)—SAHSA
5935 Salvage and Wrecking Yards
3564 Sam’s Town Hotel and Casino
3573 Sandman Hotels
3705 Sandman Inn
3775 Sands Resort
2842 Sanitation, Polishing, and Specialty Cleaning Preparations


Code Description
3656 Sara Hotels
3636 Sarova Hotels
3583 SAS Hotels
3014 Saudi Arabian Airlines—SAUDI AI
3655 Scandic Hotels
3016 Scandinavian Airline System (SAS)—SAS
8299 Schools and Educational Services—not elsewhere classified
8244 Schools, Business and Secretarial
8241 Schools, Correspondence
8211 Schools, Elementary and Secondary
8249 Schools, Trade and Vocational
3725 Sea Pines Resort
5931 Second Hand Stores, Used Merchandise Stores
6211 Securities—Brokers/Dealers
5541 Service Stations (with or without Ancillary Services)
3809 Settle Inn (Hotel)
3545 Shangri-La International
3503 Sheraton (Sheraton Hotels)
3706 Shilo Inn
5661 Shoe Stores
3707 Shoney’s Inn
3386 Showcase Rental Cars
3679 Silver Legacy Hotel and Casino
3768 Silver Star Hotel and Casino
3075 Singapore Airlines—SINGAPOR
3355 SIXT Car Rental


Code Description
3226 Skyways Air
3631 Sleep Inns
3029 SN Brussels Airlines—SN BRUSSELS
3360 Snappy Car Rental
5598 Snowmobile Dealers
3641 Sofitel Hotels
3567 Soho Grand Hotel
3586 Sokos Hotel
3518 Sol Hotels
3591 Sonesta Hotels
3017 South African Airways—SAFRICAN
3534 Southern Pacific Hotel (Hotel)
3720 Southern Sun Hotels
3066 Southwest Airlines—SOUTHWES
3097 Spanair—SPANAIR
3260 Spirit Airlines—SPIRIT
5941 Sporting Goods Stores
5655 Sports Apparel, Riding Apparel Stores
3770 SpringHill Suites
3745 St. Regis Hotel
3666 Stakis Hotels
5972 Stamp and Coin Stores—Philatelic and Numismatic Supplies
5111 Stationery, Office Supplies, Printing and Writing Paper*
3643 Steigenberger Hotels
7339 Stenographic and Secretarial Support Services
3769 Stratosphere Hotel and Casino


Code Description
3626 Studio Plus (Hotel)
3135 Sudan Airways—SUDANAIR
3539 Summerfield Suites Hotel
3130 Sunworld International Airways—SUNWORLD
3709 Super 8 Motels
3129 Surinam Airways—SURINAM
3686 Susse Chalet
3646 Swallow Hotels
5996 Swimming Pools—Sales and Supplies
3015 Swiss International Airlines—SWISSINTLAIR
3634 Swissotel
3127 Taca International—TACA INT
3659 Taj Hotels International
3248 Tam Airlines—TAM
3125 Tan Airlines—TAN AIR
3035 Tap (Portugal)—TAP
3297 Tarom Romanian Air Transport—TAROM AIR
9311 Tax Payments
7276 Tax Preparation Service
4812 Telecommunication Equipment Including Telephone Sales
4821 Telegraph Services
5998 Tent and Awning Shops
8734 Testing Laboratories (Non-Medical)*
3077 Thai Airways—THAIAIRW
3805 The Atlantic
3804 The Diplomat Country Club and Spa


Code Description
3801 The Palace Hotel
3710 The Ritz-Carlton
3814 The Roosevelt Hotel NY (Hotel)
3803 The Wigwam Golf Resort and Spa
7922 Theatrical Producers (except Motion Pictures), Ticket Agencies
3395 Thrifty Car Rental
3047 THY (Turkey)—THY
3396 Tilden Rent-A-Car
7012 Timeshares
7534 Tire Retreading and Repair Shops
3522 Tokyo Hotel
7991 Tourist Attractions and Exhibits
7549 Towing Services
3783 Town and Country Resort & Convention Center
3740 TownePlace Suites
3600 Trade Winds Resorts
3089 Transaero—TRANSAERO
4789 Transportation Services—not elsewhere classified
4111 Transportation—Suburban and Local Commuter Passenger, including

Ferries
3221 Transportes Aeros Militares Ecuatorianos—TAME AIR
4722 Travel Agencies and Tour Operators
3615 Travelodge
3555 Treasure Island Hotel and Casino
3380 Triangle Rent A Car
3569 Tribeca Grand Hotel


Code Description
3385 Tropical Rent-A-Car
3738 Tropicana Resort and Casino
7513 Truck Rental
7511 Truck Stop Transactions
3049 Tunis Air—TUNIS AI
2791 Typesetting, Plate Making, and Related Services*
5978 Typewriter Stores—Rentals, Sales, Service
9752 U.K. Petrol Stations, Electronic Hot File
9751 U.K. Supermarkets, Electronic Hot File
3063 U.S. Airways—USAIRWYS
3433 Ugly Duckling Rent-A-Car
3090 Uni Airways—UNIAIR
3027 Union de Transports Aeriens—UTAAIR
3000 United Airlines—UNITED
3434 USA Rent-A-Car
4900 Utilities—Electric, Gas, Heating Oil, Sanitary, Water. The ongoing

generation, transmission, or distribution of electricity, gas (natural or
propane), home heating oil, water system supply services, or collection
and disposal of refuse.
3575 Vagabond Hotels
6535 Value Purchase - Member Financial Institution
3435 Value Rent-A-Car
3067 Vanguard Airlines—VANGUARD
5331 Variety Stores
3018 Varig (Brazil)—VARIG
3036 VASP (Brazil)—VASP
3773 Venetian Resort Hotel and Casino (Hotel)


Code Description
3117 Venezolana International de Aviacion—VIASA
3574 Venture Inn
0742 Veterinary Services
3825 Vdara (Vdara Hotel and Spa)
7993 Video Amusement Game Supplies
7841 Video Entertainment Rental Stores
7994 Video Game Arcades/Establishments
3144 Virgin Atlantic—VIR ATL
3708 Virgin River Hotel and Casino
3131 VLM Airlines—VLM
3779 W Hotels
3524 WelcomGroup Hotels
7692 Welding Repair
3748 Wellesley Inns
3513 Westin (Westin Hotels)
3762 Whiskey Pete’s Hotel and Casino
5300 Wholesale Clubs
3299 Wideroes Flyveselskap—WIDEROES
5698 Wig and Toupee Shops
3801 Wilderness Hotel and Golf Resort
3112 Windward Island—WINDWARD
5631 Women’s Accessory and Specialty Stores
5621 Women’s Ready to Wear Stores
3739 Woodside Hotels and Resorts
3722 Wyndham—WYNDHAM
3596 Wynn Las Vegas


Code Description
3094 Zambia Airways—ZAMBIA A
* Denotes wholesale distributors and manufacturers.

Chapter 9 310
Data Element 039: Response Codes
Table 9.1: Valid Response Codes

Response
Code Description Notes
‘00’ Approved Processed as an approval.
‘01’ Refer to Card Issuer
‘02’ Refer to Card Issuer, special

condition
‘03’ Invalid merchant
‘04’ Pick-up
‘05’ Do not honor
‘06’ Error * Used for Network Management messages

(08xx).
‘07’ Pick up card, special conditions
‘08’ Honor w/ID ■ Processed as an approval.
■ Unsupported for STAR networks, may

be used by other networks. Processing
will be governed by other network’s
rules.
‘09’ Request in progress Used for Network Management messages

(08xx).
‘10’ Approved for Partial Amount Valid for POS transaction repsonses
(provided the aquiring network supports
partial amount approvals).
‘11’ Transaction Approved (VIP) ■ Processed as an approval.
■ Unsupported for STAR networks, may

rules.
‘12’ Invalid transaction
‘13’ Invalid amount
‘14’ Invalid card number (no such

number)

Table 9.1: Valid Response Codes (cont.)

Response
‘15’ No such Issuer *
‘16’ Approved, Track 3 Updated ■ Unsupported for STAR networks, may

rules.
■ Processed as an approval.
‘19’ Re-enter transaction
‘20’ Invalid response
‘23’ Unacceptable transaction fee
‘24’ File update not supported by Used only for Negative File Updates
receiver (0312).
‘25’ Unable to locate record on file ■ Negative File Updates (0312).
■ Card Activation (0382).
‘26’ Duplicate file update record ■ Negative File Updates (0312).
‘27’ File update edit error Used only for Negative File Updates
(0312).
‘28’ File update file locked out Used only for Negative File Updates
(0312).
‘29’ File update not successful, contact ■ Negative File Updates (0312).
Acquirer


Response
‘30’ Format error * ■ The STAR Switch will return a

Response Code ‘30’ in its 0110/0210
reply to an acquirer when the request
fails to pass required STAR edits. The
field number in error will be provided in
DE 044, Additional Response Data. The
transaction will be logged as an
exception so will not appear in user
files or reports.
■ The STAR Switch will send a 0420

reversal with a Response Code ‘30’ to
an issuer when the 0110/0210
response fails to pass required STAR
edits.
■ If an Issuer processor generates a

Response Code ‘30’, then ISO DE 044,
Additional Response Data, is required.
‘31’ Bank not supported by switch *
‘33’ Expired card (Capture)
‘34’ Suspected fraud (Capture)
‘35’ Card acceptor contact Acquirer Unsupported for STAR network, may be
(Capture) used by other networks. Processing will
be governed by other network’s rules.
‘36’ Restricted card (Capture)
‘37’ Card acceptor, call Acquirer security Unsupported for STAR network, may be
(Capture) used by other networks. Processing will
‘38’ Allowable PIN tries exceeded

(Capture)
‘39’ No credit account
‘40’ Requested function not supported
‘41’ Lost card, fraud (Capture)
‘42’ No universal account
‘43’ Stolen card (Capture)


Response
‘44’ No investment account
‘51’ Not sufficient funds
‘52’ No checking account
‘53’ No savings account
‘54’ Expired card
‘55’ Incorrect PIN
‘56’ No card record
‘57’ Transaction not permitted to

cardholder
‘58’ Transaction not permitted to

terminal
‘59’ Suspected fraud
‘60’ Card acceptor contact Acquirer Unsupported for STAR network, may be
used by other networks. Processing will
‘61’ Exceeds withdrawal amount limit
‘62’ Restricted card
‘63’ Security violation
‘65’ Exceeds withdrawal frequency limit
‘66’ Card acceptor call Acquirer's security Unsupported for STARnetwork, may be
department used by other networks. Processing will
‘67’ Hard capture
‘68’ Late Response Unsupported for STAR network, may be

used by other networks. Processing will
‘75’ Allowable PIN tries exceeded


Response
‘76’ Key sync error * ■ May appear as an ‘05’ on Settlement

Reports.
■ Used for Network Management

messages (08xx).
■ STAR NE Platform: STAR will stand-in

for Issuer if option is set at STAR to do
so.
‘78’ Cardholder not eligible for POS
‘80’ Private use (Stale dated transaction)
‘81’ Issuer not available to authorize ■ STAR NE Platform: STAR will stand-in
for Issuer if option is set at STAR
Network to do so.
‘82’ Count exceeds limit (valid only for Unsupported for STAR network, may be
VisaNet Issuers) used by other networks. Processing will
‘84’ Time for pre-authorization reached Unsupported for STAR network, may be
(Only valid for Interlink Issuers) used by other networks. Processing will
‘86’ Cannot verify PIN (valid only for Unsupported for STAR network, may be
VisaNet Issuers) used by other networks. Processing will
‘87’ Duplicate
‘88’ Information not on file
‘89’ Card Validation failure (CVC/CVV)
■ STAR SE/W Platform: Track 1 or

Track 2
■ STAR NE Platform: Track 1


Response
‘90’ STAR SE/W Platform:
■ Cutoff in progress
STAR NE Platform:
■ Card Validation failure (CVC/CVV)
◆ Track 2
‘91’ Issuer inoperative STAR NE Platform: STAR will stand-in

for Issuer if option is set at STAR to do
so.
‘92’ FI cannot be found for routing *
‘93’ Transaction cannot be completed,

violation of law
‘94’ Duplication transmission
‘95’ Reconcile error
‘96’ System malfunction Used for Network Management

messages.
‘98’ Card Validation failure (CVC2/CVV2) STAR NE Platform only.

- Trackless Transactions
‘99’ Card Validation failure (CVC3/CVV3) STAR NE Platform only.
‘A1’ Invalid voucher ID STAR SE/W Platform only.
‘A2’ Invalid authorization number STAR SE/W Platform only.
‘AM’ Phone card approved STAR NE Platform only.
‘PF’ Phone card denied STAR NE Platform only.
‘R4’ CVC3/dCVV failure STAR SE/W Platform only.
‘S7’ Unmatched voucher information STAR SE/W Platform only.
‘S9’ Expiration date mismatch - no

capture
‘SA’ Inactive Card
‘SB’ Expiration date mismatch – capture

card


Response
‘SC’ Item suspected for stop pay
‘SD’ Acct closed
‘SE’ Ineligible account
‘SF’ Item submitted more than two times
‘SG’ No acct on file
‘SH’ Unable to locate
‘SI’ General Denial
‘SM’ Transaction limit exceeded STAR SE/W platform only.
‘SR’ Card Validation (CVC2/CVV2) Failure STAR SE/W platform only.

-or-
3-D Secure (MC Secure Code AAV/

VISA CAVV) Failure
‘SP’ Special conditions (no capture) STAR SE/W platform only.
‘T3’ Lost card (no capture) STAR SE/W platform only.
‘T4’ Closed account STAR SE/W platform only.
‘T5’ Dormant account STAR SE/W platform only.
‘T6’ Special conditions (no capture) STAR NE platform only.
‘T7’ ATC Failure STAR NE platform only.
‘TG’ Reserved for Future Use
‘TS’ Suspected Fraud
* These codes are those for which the Acquirer Processor will receive no
interchange fee and the Card-Issuer Processor will not be charged an
interchange fee or a Switch fee. The no-fee designation applies only to STAR
SE/W transactions when the transaction is denied by the STAR Switch.
Transactions rejected by the STAR Switch can be identified by the acquirer
based upon there being a value of ‘N’ or 'S' in Authorization Response Code
(DE 038) of the 0110/0210 response message.

Chapter 10 317
Data Element 054: Additional Amounts
Overview
Data Element 054, Additional Amounts, is used to clarify the following:
■ Balances: Used to provide varying balance and credit line amounts.
Required for balance inquiry responses; optional in responses to other
transaction types.
■ Deposits: Used to support verified and unverified, cashed check and cash
deposits (Amount Types ‘92’, ‘93’, ‘94’, and ‘95’).
■ Partial Amount Authorization:
◆ For PIN-based POS pre-authorization transactions for Processors using
the original partial authorization methodology, this data element is
used in 0110 responses to convey the authorized amount (Amount
Type = ‘58’).
◆ For all stand-alone POS purchase transactions, and for POS
pre-authorization transactions for Processors using the new partial
authorization methodology, this data element is used in 0110/0210
responses to convey the amount of the original request (Amount Type
= '91').
■ Point of Banking: Used to convey the composition of a deposit for a POB
deposit (Amount Types ‘42’ and ‘43’).
■ POS Cash Back Support: Amount of cash given to customer – required if
cash back is given. If POS is only used for cash back, the entire amount of
the transaction must be represented as cash in DE 054 (Amount Type =
‘40’).
■ Pre-authorized Amount Completion: For a PIN-based POS
pre-authorized transaction completion, this data element is used in the
022x completion to convey the original authorized amount from the 0110
message (Amount Type = ‘57’).
■ Quasi-cash and Scrip: Acquirer processors who sell items that can be
negotiable for cash (money orders, postal orders, gaming chips, POS scrip,
etc.), must present the total dollar amount of the negotiable items (as
conveyed in DE 004) in DE 054. Amount Type in DE 054 must be set to
‘40’ (cash back). This must be present in all request, advice, and reversal
messages.

Account Balance Handling

■ STARrecommends that Card-Issuer Processors return either a ledger or
available account balance. Card-Issuer Processors shall not transmit
through the STAR Network any positive Available Balance or POS Balance
that includes amounts available through an overdraft protection program,
other than a line of credit that is subject to Regulation Z, in response to an
Authorization request for a Balance Inquiry or for any other purpose.
■ STAR Card-Issuer Processors may return negative account balance
information.
■ STAR Acquirer Processors have the option to print or display the negative
value or change this to a zero balance.
■ STAR Acquirer Processors are only required to print or display one balance
on a withdrawal or balance inquiry transaction.
■ STAR POS Acquirer Processors are not allowed to display or print balances
on purchase transactions.
■ STAR Acquirer Processors that receive approvals (DE 039 response code
‘00’) should not override (disallow) the withdrawal or purchase based upon
balances received in DE 054.
Partial Amount Authorization
STAR SE/W Platform

If the STAR SE/W card-issuer processor supports the new partial authorization
methodology, then for a pre-authorization reply (0110) or purchase reply
(0210) for a transaction for which sufficient funds are not available to
accommodate the full transaction amount (DE 004) requested, the Issuer
Processor may return the available balance or available limit in DE 004 and
the original transaction amount in DE 054 using Amount Type '91'.
If the STAR SE/W card-issuer processor does not support the new partial
authorization methodology, then for a pre-authorization reply (0110) for a
transaction for which sufficient funds are not available to accommodate the
full transaction amount (DE 004) requested, the Issuer Processor should
return the available balance or available limit in DE 054 using Amount Type =
'58'.
Note that STAR SE/W does not support partial authorization of purchase
transactions using the old partial authorization methodology.

For either methodology Response Code (DE 039) must be set to '10'. A
Card-Issuer Processor must not return a partial authorization response if the
available balance or available limit is:
■ Equal to or greater than DE 004;
■ Equal to zero; OR
■ Negative.
If zeros or a negative partial authorization amount is transmitted in the

response, the transaction response code will be changed to a '13' (invalid
amount) response code.
STAR NE Platform
On a pre-authorization reply (0110) or purchase reply (0210) for a transaction
for which sufficient funds are not available to accommodate the full
transaction amount (DE 004) requested, the STAR NE POS Card-Issuer
Processor should return the available balance or available limit in DE 054
using Amount Type '58'. Response Code (DE 039) must be set to '10'. A
Card-Issuer Processor must not return Amount Type '58' in DE 054 if the
available balance or available limit is:
■ Equal to or greater than DE 004, with the following exceptions:
◆ Automated Fuel Pump (AFD) preauthorization (DE 018 = 5542) in
which the cardholder's balance is below the standard AFD floor limit.
◆ Visa Prestigious Properties preauthorization in which the cardholder's
balance is below the authorization limit indicated by the Prestigious
Properties Indicator in DE 127. For a description of this field refer to the
section entitled "Visa Check: STAR NE Platform Format" in Chapter 7 of
the STAR ISO 8583 Gateway Product Interface Guide.
◆ For either of these scenarios, the issuer may return a partial
authorization with authorized amount greater than the requested
amount and less than the indicated floor limit.
■ Equal to zero.
■ Negative.
If zeros or a negative amount are transmitted in DE 054 using Amount Type

'58' in a response for a lesser amount, the transaction response code will be
changed to a '51' (not sufficient funds) response code.

On a pre-authorization reply (0110) for a transaction for which sufficient

funds are not available to accommodate the full transaction amount (DE 004)
requested, STAR POS Card-Issuer Processor should return the available
balance or available limit in DE 054 using Amount Type = ‘58’. Response Code
(DE 039) must be set to ‘10’. A Card-Issuer Processor must not return
Amount Type ‘58’ in DE 054 if the available balance of available limit is:
■ Equal to or greater than DE 004;
■ Equal to zero; OR
■ Negative.
If zeros or a negative amount are transmitted in DE 054 using Amount Type

‘58’ in a response for a lesser amount, the transaction response code will be
changed to a '13' (invalid amount) response code.
Pre-authorized Amount Completion

On a pre-authorized transaction completion (0220), DE 054, Amount Type
‘57’ must contain the pre-authorized amount from the pre-authorization reply
(0110). There must never be more than one pre-authorized amount in DE
054.
Account Type
Positions 1 and 2 of each amount give the ISO code that defines the Account
Type:
Table 10.1: Account Type

Value Description
‘00’ Default
‘10’ Savings Account
‘20’ Checking Account
‘30’ Credit Account
‘09’ Other Account

Amount Type
Positions 3 and 4 give the ISO code that defines the Amount Type:
Table 10.2: Amount Type

Message STAR NE STAR SE/W
Value Description Types Comments Comments
‘00’ Unspecified 0110, 0210
‘01’ Account Ledger 0110, 0210

Balance
‘02’ Account Available 0110, 0210

Balance
‘16’ Credit Line 0110, 0210
‘17’ POS Balance 0110, 0210
‘20’ Amount Remaining 0110, 0210

This Cycle
‘40’ Amount of Cash or 010x, 020x, ■ Required if cash is given with transaction
Negotiable Items 0210, 022x, (cash back).
Given to the 042x
Customer ■ Required if Negotiable Items (items that
can be negotiable for cash—e.g., money
(Cash Back) orders, postal orders, gaming chips and
POS scrip) are given with the
transaction.
■ If the point of sale transaction is used

only for cash or negotiable items, the
entire amount of the transaction must
be represented as Cash or Negotiable
Items Given to the Customer.
■ Amount (positions 8-20) must equal 004

Amount, Transaction. Fees, if any,
should not be included.
‘42’ Check Amount 020x, 022x, Used to support Not Available.

042x Point of Banking
deposit
transactions.
‘43’ Cash Amount 020x, 022x, Used to support Not Available.

042x Point of Banking
deposit
transactions.

Table 10.2: Amount Type (cont.)

‘57’ Pre-authorized 022x, 042x Not Available. The amount should

Amount be equal to the
amount that was
authorized in the
0110
pre-authorization
response (which
may be an amount
of less than the
requested amount).
‘58’ Authorized Amount 0110, 0210 Used for POS Used for POS
pre-authorization pre-authorization
and purchase transactions, for
transactions to Processors using the
convey the original partial
authorized amount. authorization
methodology, to
convey the
authorized amount.
‘91’ Amount of original 0110, 0210 Not available For partial amount
request authorizations for all
stand-alone POS
purchase
transactions, and
for POS
pre-authorization
transactions for
Processors using the
new partial
authorization
methodology, this
data element is to
convey the amount
of the original
request.
‘92’ Check Amount, 020x, 022x, Used to support Not Available.

verified check 042x verified check
deposit deposit
transactions.

Table 10.2: Amount Type (cont.)

‘93’ Cash Amount, 020x, 022x, Used to support

verified cash deposit 042x verified cash deposit
(STAR NE Platform) transactions.
Cash Deposit
Amount (STAR SE/
W Platform)
‘94’ Cash Amount, 020x, 022x, Used to support

unverified cash 042x unverified cash
deposit (STARNE deposit transactions
Platform)
Check Deposit
Amount (STAR SE/
W Platform)
‘95’ Check Amount, 020x, 022x, Used to support Not Available.

unverified check 042x unverified check
deposit deposit
transactions.
Currency Code
Processors should query the currency code field in each occurrence of an
additional amount, as occurrences with non-US values may be present.

Amount
Positions 8-20 reflect the sign and the specific amount:
X + n12
X = sign indicator nnnnnnnnnnnn = amount
■ ‘C’ ■ Right-justified, zero-filled
◆ For balances: positive or zero balance ■ Assumes 2 decimal places for US

dollar amounts
◆ For fees: credit to the cardholder or
issuer
■ ‘D’
◆ For balances: negative balance
◆ For fees: debit to the cardholder or

issuer

Chapter 11 325
Data Element 058: National Point of Service
DE 058 - Position 1: Terminal Operation

Table 11.1: DE 058 – Position 1: Terminal Operation
ISO Code Description
0 Attended
1 Unattended
DE 058 - Position 2: Customer Operation

Table 11.2: DE 058 – Position 2: Customer Operation
0 Customer Operated
1 Merchant Operated
2 Administrative
DE 058 - Position 3: On/Off Premise

Table 11.3: DE 058 – Position 3: On/Off Premise
0 On Premise
1 Off Premise

DE 058 - Position 4: Cardholder Present

Table 11.4: DE 058 – Position 4: Cardholder Present
0 Customer present
1 Customer not present
2 Customer not present, mail order
3 Customer not present, telephone order
4 Customer not present, standing order, recurring payment
8* ■ Pre-authorized purchase
■ All Acquirer Processors who submit 022x transactions preceded by an

approved 0100/0110 must set the present type as ‘88’. Original present
type information can be gained from the 0100/0110 message.
DE 058 - Position 5: Card Present

Table 11.5: DE 058 – Position 5: Card Present
0 Card present
1 Card not present
8* ■ Pre-authorized purchase
■ All Acquirer Processors who submit 022x transactions preceded by an

approved 0100/0110 must set the present type as ‘88’. Original present
type information can be gained from the 0100/0110 message.

DE 058 – Position 6: Device Card Retention

Card retention at the ATM is optional for STAR Acquirer Processors. If an
Acquirer Processor has elected to capture ATM cards based on the receipt of a
card capture response code from the Card-Issuer Processor, the Acquirer
Processor must send DE 058 with position 6 set to a '1' in the 0200 request.
Table 11.6: DE 058 – Position 6: Device Card Retention

0 Point of service device does not have card retention capabilities
1 Point of service device has card retention capabilities
DE 058 – Position 7: Transaction Disposition

See Chapter 2: Operational Considerations and STAR Processing, Inc. STAR
Network Operating Rules manual for additional information concerning
Merchant Authorized Transactions and resubmission processing.
Table 11.7: DE 058 – Position 7: Transaction Disposition

0 Original Presentment
4 Previously authorized request (merchant Stand-in)
5 Resubmit (merchant Stand-in resubmission)
7 Reapplies (STAR NE Platform only). See the CMA User Guide for additional
information.

DE 058 – Position 8: Security Condition

Table 11.8: DE 058 – Position 8: Security Condition
0 No security concern
1* Suspected fraud
2* Identification verified
3* Electronic commerce transaction with digital signature
4* Electronic commerce transaction – Nonsecure/Security unknown
5* Electronic transaction – Secure, with cardholder certificate
6* Electronic transaction – Secure, without cardholder certificate
7* Electronic commerce transaction – Channel-encrypted
8 CVC/CVC2/CVC3, CVV/CVV2/CVV3 Verification = Pass or Successful

Verification
9 CVC/CVC2/CVC3, CVV/CVV2/CVV3 Verification = Fail or Unsuccessful

Verification
* Supported on the STAR SE/W Platforms only.

DE 058 – Position 9-10: Terminal Type

Card-Issuer Processors may receive these terminal types on transactions
acquired at participating links or gateways.
Table 11.9: Position 9-10: Terminal Type

ISO Code Description Notes
00 Administrative terminal
01 POS terminal Acquirer Processors supporting POS

transactions from ATM devices (to dispense
stamps, travelers checks, etc.) must use '02'
as the Terminal Type.
02 ATM terminal
03 Home terminal ■ Card-Issuer Processors may receive these

terminal types on transactions acquired at
participating links or gateways.
■ STAR Acquirer Processors are not allowed to

generate these Terminal Types.
04 ECR Electronic Cash Register
05 Call Center Operator ■ For Bill Payment transactions.
■ Card-Issuer Processors must support this

value.
06 Travelers check machine ■ Card-Issuer Processors participating with

American Express will receive this terminal
type.
■ This terminal type is not valid for STAR ATM

or POS Acquirer Processors.
07 Fuel Machine
08 POS Scrip machine POS Acquirer Processors must use terminal

type of ‘08’ when initiating a balance inquiry.
09 Coupon machine STAR SE/W Acquirers may not send this value.
10 Ticket machine STAR SE/W Acquirers may not send this value.
11 Point of Banking terminal
12 Teller
13 Franchise teller STAR SE/W Acquirers may not send this value.

Table 11.9: Position 9-10: Terminal Type (cont.)

14 Personal banking STAR SE/W Acquirers may not send this value.
15 Public utility STAR SE/W Acquirers may not send this value.
16 Vending STAR SE/W Acquirers may not send this value.
17 Self-service STAR SE/W Acquirers may not send this value.
18 Authorization STAR SE/W Acquirers may not send this value.
19 Payment ■ Card-Issuer Processors may receive these

■ STAR Acquirer Processors may not generate

these terminal types.
■ Not available on the STAR SE/W Platforms.
20 VRU unit ■ For bill payment transactions.

value.
21 Mobile Banking ■ Card-Issuer Processors may receive these


24 Screen Phone ■ Card-Issuer Processors may receive these


25 Internet Terminal ■ For bill payment transactions.

value.

Table 11.9: Position 9-10: Terminal Type (cont.)

26 MICR terminal at POS ■ Card-Issuer Processors may receive these

Sample STAR ISO Acquirer P-58 Combinations

This is not a comprehensive list of combinations. These combinations have
been created as an example.
Table 11.10: Sample STAR ISO Acquirer P-58 Combinations

Positions Device Name Positions Device Name
0000000001 ECR Generic 1010010002 ATM Off-Premise
0010000001 ECR Generic 0000000004 ECR
0100000001 ECR Generic 0010000004 ECR
0110000001 ECR Generic 0100000004 ECR
1000000001 ECR Generic 0110000004 ECR
1010000001 ECR Generic 1000000004 ECR
1100000001 ECR Generic 1010000004 ECR
1110000001 ECR Generic 1100000004 ECR
0000004001 Merch Auth ECR Generic 1110000004 ECR
0010004001 Merch Auth ECR Generic 0001104004 Merch Auth ECR
0000005001 Resubmission ECR Generic 1001104004 Merch Auth ECR
1000005001 Resubmission ECR Generic 0001105004 ECR Resubmission

Table 11.10: Sample STAR ISO Acquirer P-58 Combinations (cont.)

1000000002 ATM On-Premise 1001105004 ECR Resubmission
1000010002 ATM On-Premise 1011105004 ECR Resubmission
1010000002 ATM Off-Premise 1101105004 ECR Resubmission
1111105004 ECR Resubmission 0000000008 Scrip Terminal
0113100005 Call Center-acquired STAR Bill 0010000008 Scrip Terminal

Payment
0000000007 Fuel Dispense 0100000008 Scrip Terminal
1100000007 Fuel Dispense 0000004008 Merch Auth Scrip Terminal
1110000007 Fuel Dispense 0010004008 Merch Auth Scrip Terminal
0001104007 Merch Auth Fuel Disp 0100004008 Merch Auth Scrip Terminal
0001105007 Resubmission Fuel Disp 1110004008 Merch Auth Scrip Terminal
0011105007 Resubmission Fuel Disp 0000005008 Resubmission Scrip Terminal

Table 11.10: Sample STAR ISO Acquirer P-58 Combinations (cont.)

0011104007 Merch Auth Fuel Disp 1110005008 Resubmission Scrip Terminal
1001104007 Merch Auth Fuel Disp 1010100020 VRU-acquired STAR Bill

Payment
1011104007 Merch Auth Fuel Disp 1010100025 Internet-acquired STAR Bill

Payment

Chapter 12 334
Data Element 060: Advice/Reversal Reason

Code
Reversal Reason
In general, Position 1 identifies who reversed the given transaction; Position 2
gives the reason for the reversal.
Table 12.1: DE 060 – Reversal Reason Code Values – Position 1

Value Description
‘0’ Not a reversal
‘1’ Card acceptor originated reversal (generated by Indirect Acquirer Processor

or terminal)
‘2’ Acquirer Processor originated reversal
‘3’ Intermediate facility originated reversal (STAR Switch initiated only)
‘4’ Customer declined Overdraft reversal.
‘5-8’ Reserved.
‘9’ STAR NE switch-originated reversal (used with reversals of foreign deposit

request/reply transactions)

Position 1 Position 2
Value(s) Value Description
“0’ ‘0’ Not a reversal
‘1’-’3’ ‘2’ Terminal processor error
‘1’-’3’ ‘3’ System timeout
‘1’-’3’ ‘4’ Terminal Over- or Under-Dispense
‘1’-’3’ ‘5’ Terminal communication error
‘1’-’3’ ‘6’ Terminal error
‘1’-’3’ ‘7’ Late or unsolicited response
‘1’-’3’ ‘8’ Reversal/customer cancellation
‘1’ ‘F’ Partial reversal to convey new calculated fee


‘3’ ‘0’ Edit error in response message
‘4’ ‘8’ Customer cancellation at the device due to non-acceptance

of overdraft fee (STAR NE only)
‘4’ ‘9’ Reversal for late response to a withdrawal with an

overdraft fee (STAR NE only)
‘4’ ‘0’ Reversal/customer cancellation of foreign deposit (STAR NE

only)
STAR Card Issuer Processors transmitting 0110 or 0210 responses that fail
STAR Switch data element edits will receive a 0420 reversal message with a
reversal reason code of ‘30’
Advice Reason
In general, position 1 indicates who stood in for this transaction; Position 2
values indicate why the transaction stand-in occurred.
Table 12.3: DE 060 – Advice Reason Code Values – Position 1

Value Description
‘0’ Not an advice
‘1’ Card acceptor-originated advice
‘2’ Acquirer-originated advice
‘3’ Stand-in agent-originated advice (usually STAR switch-originated)
4-8 Reserved
‘9’ Issuer-request stand in advice or STAR Transaction Services denial

advice (STAR NE Platform only)
‘A’ Invalid ATC denial advice (STAR NE Platform only)
‘C’ Card Validation Threshold Service denial advice (STAR NE platform only).
‘D’ Foreign deposit advice (STAR NE Platform only)

Table 12.4: DE 060 – Advice Reason Code Values – Position 2

‘0’ ‘0’ Not an advice
‘1’-’3’ ‘1’ Timed out request message
‘1’-’3’ ‘2’ Issuer not available (in delay)
‘1’-’3’ ‘3’ Issuer signed off (logged off)
‘1’-’3’ ‘4’ Within business agreement
‘1’-’3’ ‘5’ POS alternate authorization (not applicable to STAR

transactions)
‘1’-’3’ ‘6’ POS Merchant authorization (not applicable to STAR

transactions)
‘1’-’3’ ‘7’ POS switch authorized under floor limit (not applicable to
STAR transactions)
‘1’-’3’ ‘8’ Encryption key not established
‘3’ ‘9’ Issuer-requested stand-in (STAR SE/W platform only)
‘9’ ‘1’ Issuer-requested stand-in (STAR NE platform only)
‘9’ ‘2’ STAR Transaction Services Denial (STAR NE platform only)
‘A’ ‘T’ Invalid ATC denial advice (STAR NE platform only)
‘D’ ‘P’ Foreign Deposit advice (STAR NE platform only)
‘P’ ‘D’ Possible Duplicate Advice (STAR NE platform only)
‘C’ ‘V’ Card Validation Threshold Service denial advice (STAR NE

platform only).

Chapter 13 337
Data Element 104: Transaction Description -

Interchange Group Identifier Values
The following table lists the current values for the STAR Interchange Group.
Position Interchange
1 2 3 Description Group
S ATM and all other 1

merchant types
D ATM and all other 2

merchant types
B ATM and all other 3

merchant types
Q ATM and all other 2

merchant types -
Special
M ATM and all other 4

merchant types -
Special
9 Available attribute and

Net Enhance is targeted
B K Balance Inquiry
(PINless)
8 Bill Pay (current

established rate) -
Special
A D Bill Payment
A E Bill Payment
A F Bill Payment
B D Bill Payment - Financial

Services - Special
A H Bill Payment - recurring
B G Bill Payment (PINned)

Chapter 13: Data Element 104: Transaction Description - Interchange Group Identifier Values 338
A 2 Contactless All other 1

merchant <$25.

merchant <$25.

merchant <$25.

merchant >$25.

merchant >$25.

merchant >$25.
A X Contactless Medical
Merchant <$15
A Q Contactless Grocery & 1

Wholesale Club
Merchants <$25
A R Contactless Grocery & 2

Wholesale Club
Merchants <$25
A T Contactless Grocery & 3

Wholesale Club
Merchants <$25
A U Contactless Grocery & 1

Wholesale Club
Merchants >$25
A V Contactless Grocery & 2

Wholesale Club
Merchants >$25

A W Contactless Grocery & 3

Wholesale Club
Merchants >$25
A 8 Contactless petroleum 1
merchant <$25.
merchant <$25.
merchant <$25.
B A Contactless petroleum 1
merchant >$25.
B B Contactless petroleum 2
merchant >$25.
B C Contactless petroleum 3
merchant >$25.
A Z Contactless Quick
service restaurant
<$25.
A 1 Contactless Quick
service restaurant
>$25.
A Y Contactless Small Ticket

Merchant
A M e-Commerce
A N e-Commerce
B I eCommerce Refund
1 Emerging Bill Payment Call Center VRU
Z Emerging Bill Payment Internet
A I Expedited Bill Payment

B J Funds Transfer Credit

(PINned)
A P Funds Transfer Debit
X Funds Transfer Debit -

Special
A C Funds Transfer Debit

(PINned)
H Grocery 1B (Target) -
Special
P Grocery and Wholesale 1

Club
C Grocery and Wholesale 2

Club
A Grocery and Wholesale 3

Club
N Grocery and Wholesale 1

Club - Special
Y Grocery and Wholesale 2

Club - Special
A S Grocery and Wholesale 2

Club - Special
6 Grocery and Wholesale 3

Club - Special
L Grocery and Wholesale 4

Club - Special
K Interbank/Funds
Transfer (credit side)
I Internet eSign
2 Medical

A J Mobile Payments
A K Mobile Payments
0 Not Used - Value

Concerns
A O Online Refund
A G Pay at Table
O Petroleum 1
R Petroleum 2
V Petroleum 3
T Petroleum - Special 2
F Petroleum - Special
G Petroleum - Special
A B Pre-Paid Load
Transaction
E Project Coronado
A A Project Coronado - 2
B N Purchase (PINless)
B M Purchase (PINless) with

Preauthorization &
Completion
U QSR ‘Quick Service

Restaurant’
B E QSR ‘Quick Service

Restaurant’ - Special
4 Reserved for Northeast
5 Reserved for Northeast

3 Small Ticket
7 Special Bill Pay (sic

4900)
W Standard Bill Payment Call Center VRU
J Standard Bill Payment Internet
B L Transaction History
(PINless)
B H Transaction Refund
A L Verification Transaction
B F WEB Micropayments

Chapter 14 343
Data Element 105: Large Private Data
DE 105 is a general-purpose data element. Its format is determined by an

issuer who has a need to convey large amounts of data for a particular
purpose.
Currently, DE 105 has defined formats for the following purposes:

■ POS payment transactions
■ Account List Inquiry transactions
■ Account Balance Profile transactions
■ Enhanced Balance on Receipt
POS Payment Transactions

The first of these uses for DE 105 is product-related, and therefore is covered
in the STAR ISO 8583 Gateway/Product Interface Guide.

Account List Inquiry

105 Large Private Data – Account List Inquiry Data
STAR Element Format LLLV AN185
Definition Contains data in response to an Account List Inquiry message

that lists cardholder accounts.
Acquirer/Issuer
■ 0110 Conditional Mandatory when processing code is

35 xx 00.
Format Position Length Field Description
Fixed Segment 1-2 2 Message Occurrence Sequence number of

this message.
3-4 2 Total Number of Total number of

Messages messages to
complete the ABI
request.
5-7 3 Total Number of Total number of

Items items in all
messages.
8-9 2 Number of Items Number of items in

Here this message.

105 Large Private Data – Account List Inquiry Data (cont.)

Data Detail Segment 1-3 3 Account Qualifier Indicates the
account type and
(Segment may repeat.)
sequence number of
the account specified
in this entry. Format:
NSS
where N is one of
these values:
■ ‘1’ = Checking
■ ‘2’ = Savings
■ ‘3’ = Credit
■ ‘4’ = Other
SS is the sequence
number of the
account. Valid values
are ‘01’ through ‘99’.
A value of ‘01’
indicates that this is
the primary account
of the type indicated.
4-22 19 Account Description Data from the

account.
The Data Detail segment can occur up to 8 times, totaling 176 bytes
maximum. For all ALI transactions, at least one occurrence of the Detail
segment must follow the Fixed segment, beginning in position 10 of DE 105.
Because there may be several occurrences, the position numbers given above
are relative to the segment.

Account Balance Profile

105 Large Private Data – Account Balance Profile Data
STAR Element Format LLLV AN518
Definition Contains data related to ATM Account Balance Profile requests on

cardholder accounts.
Acquirer/ Issuer
■ 0200 Conditional Mandatory for co-op processors when

processing code is 39 xx 00.
■ 0210 Conditional Mandatory when processing code is

39 xx 00.
Format Fixed Segment
Position Length Field Description
1-2 2 Number of Items Number of items in

this message. Valid
values are any in the
range ‘01’ through
‘12’.
Data Detail Segment (Segment may repeat.
Position Length Field Description
1 1 Balance 1 Indicator A code indicating

whether Balance
Amount that
immediately follows
is to be printed.
Values:
■ ‘Y’ = Balance
Amount is to be
used
■ ‘N’ = Balance
Amount is not
applicable

105 Large Private Data – Account Balance Profile Data (cont.)

2-10 9 Balance 1 Amount The decimal balance
amount. If Balance
Indicator contains a
‘Y’, the amount is
formatted as follows:
-NNNNNNNN –
where “-” is a
high-order negative
sign, followed by an
8-digit ($$$$$$DD)
negative amount
OR
NNNNNNNNN – a
9-digit ($$$$$$$DD)
positive amount.
11 1 Balance 2 Indicator See Balance 1

Indicator.
12-20 9 Balance 2 Amount See Balance 1

Amount.

105 Large Private Data – Account Balance Profile Data (cont.)

21-23 3 Account Qualifier Indicates the type of
account and the
sequence number of
the account specified
in this entry. Format:
NSS
where N is one of the

following values:
■ ‘1’ = Checking
■ ‘3’ = Credit
■ ‘4’ = Other
SS is the sequence
number of the
account. Valid values
are ‘01’ through ‘99’.
A value of ‘01’
indicates that this is
the primary account
of the type indicated.
24-42 19 Account Number The cardholder

account number.
43 1 Account Type The cardholder

account type.
Processing Rules For processors supporting packed numeric fields: Because the
data for this transaction may exceed 255 bytes, if the numeric
packing option is enabled, the variable length indicator for DE 105
(for this transaction only) will be 2-byte binary rather than the
standard 1-byte binary.

The Data Detail segment can occur up to 12 times, totaling 516 bytes
maximum. For ABP transactions, at least one occurrence of the Detail
segment must follow the Fixed segment, beginning in position 3 of DE 105.
Because there may be multiple occurrences, the position numbers given
above are relative to the segment. The number of occurrences of the Detail
segment must match the value specified in the “Number of Items” field in the
Fixed segment. For requests to co-op processors, the Detail segment will
contain the account numbers and qualifiers of the accounts for which balances
are requested.
Enhanced Balance on Receipt

105 Large Private Data– Enhanced Balance on Receipt
Definition Defines up to four balances on ATM receipt.
This is a general purpose data element. It has other usages with

different formats. See Chapter 4 of the STAR ISO 8583 Message
Format Guide for details.
Acquirer / Issuer
■ 020x Optional Required with Enhanced Balance feature, to

indicate Issuer and ATM compatibility with
the feature.
■ 021x Optional Required with Enhanced Balance feature, to

return the enhanced balance data.
Format Position Name Description
1 Foreign Language ■ Value = ‘E’

Indicator (1 an) (English)
■ Sent in the 0200,

must be echoed in
the 0210 reply
■ In the 0200, this

position is the only
one sent (element
format is ANS-1)

105 Large Private Data– Enhanced Balance on Receipt (cont.)

2-3 Receipt Text ■ 00 - 99
Indicator (2 an)
■ Cross references to
database value for
receipt message
text
■ ‘00’ or spaces =
text is not
supported
4-15 Balance 1 Amount $$$$$$$$$$$$DD

(12 n) (where DD =
decimal)
16-37 Balance 1 Descriptor Label text identifying

(22 an) 1st Amount

(12 n) (where DD =
decimal)

(22 an) 2nd Amount

(12 n) (where DD =
decimal)

(22 an) 3rd Amount

(12 n) (where DD =
decimal)

(22 an) 4th Amount

105 Large Private Data– Enhanced Balance on Receipt (cont.)

Processing Rules ■ Foreign language indicator must be echoed in the 0210 reply.
■ If Receipt Text Indicator is returned as ‘00’ or spaces in the

0210, Receipt Message Text will not be printed.
■ If the Issuer populates the Receipt Text Indicator, and does not
populate the new balance descriptor / amount fields, the
standard balances (from DE 054) are displayed.
■ Balance presentation must be contiguous.
■ Balance Amount fields must have leading zeros.
■ All balances provided must have a descriptor.
■ Negative balance amounts are permitted. The negative sign is

placed to the left of the negative balance amount. An example:
-1234.99
■ Positive Balance Amount fields are up to 12 positions

($$$$$$$$$$DD). Negative Balance Amounts are up to 11
positions plus the negative sign (-$$$$$$$$$DD)

Chapter 15 352
Data Element 121: Additional Data, Private

Issuer
DE 121 is a multi-purpose data element conveying issuer-specific data that

may vary by transaction type, product, or network. DE 121 has defined
formats for the following purposes:
■ Statement Processing transactions – covered in this chapter.
■ MasterCard and/or Visa-issuer transactions – see Chapter 9 of the STAR
ISO 8583 Gateway/Product Interface Guide.
■ STAR MasterCard Signature Debit transactions (Merchant Advice Codes) –
see Chapter 9 of the STAR ISO 8583 Gateway/Product Interface Guide.
Statement Processing
DE 121 for statement processing consists of segments that may or may not be
present based on message and/or statement request type. The Statement
Data Fixed Segment is required for statement request (0200) and reply
(0210) messages. The Statement Reply Fixed Segment is required for reply
messages. All other segments are conditional for reply messages only.
0200 Message Statement Data Request

121Additional Data, Private Issuer – Statement Data Request
STAR Element Format LLLV ANS 32
Definition Used to request statement data.

Acquirer/Issuer
■ 0200 Conditional Mandatory when processing code is 91 xx

00.
Values See DE 121–Statement Data Fixed Segment section for values.
Processing Rules ■ The original request indicates to the issuer the type of reply
data the acquirer supports.
■ In the request, if Header/Trailer Indicator (position 32) = ‘Y’,

the header/trailer information may be supplied.
■ In the request, the acquirer sets the field “Message Type

Qualifier” and indicates the scope of data being requested.

0210 Statement Data Reply Message

121Additional Data, Private Issuer – Statement Data Reply
STAR Element Format LLLV ANS nnn ■ nnn = 229 – Numeric packing option
enabled
■ nnn = 818 – Numeric packing option

disabled
Definition Used to return requested statement response data.

Acquirer/Issuer
■ 0210 Conditional Mandatory when processing code is 91 xx

00.
Values The Statement Data Fixed Segment must be echoed from the
request message (except the account number, which must be in
the reply from non-coop processors). The response data is broken
into several segments, some of which may be repeated. See
following sections for corresponding formats.
Processing Rules ■ Multiple 0210 reply messages may be required, depending on

the amount of reply data to transmit. See the Reply Fixed
Segment description for formatting reply message sequence
number, total reply messages, etc.
■ A single reply message may consist of full segments only. If

inclusion of a segment exceeds the maximum data element
length, the entire segment must be sent in the next reply
message.

DE 121 – Statement Data Fixed Segment (32 Bytes)
This segment is required in all Statement Request and Reply messages. All
subfields except Account Number must be echoed from the request to the
reply.
Table 15.1: Statement Data Fixed Segment Format

Pos Len Field Description/Values
1-3 3 From Account ■ ‘101’ = Checking

Qualifier
■ ‘301’ = Credit
■ ‘401’ = Other
4-22 19 Account Number ■ Required in requests for coop processors.
■ Required in replies for all processors.

Table 15.1: Statement Data Fixed Segment Format (cont.)

23-30 8 Message Type 23-26 ■ ‘ALL ’ (note trailing

Qualifier space) = Issuer is
to send all
transactions
posted since the
last statement, up
to the maximum
value (currently
‘99’). If there is
more than the
maximum number
of transactions
allowed per
message, multiple
replies will be
required without
the switch sending
additional request
messages.
■ ‘LAST’ = Issuer is
to reply with the
last “nn”
transactions
posted (positions
27-28).

Table 15.1: Statement Data Fixed Segment Format (cont.)

27-28 Number of
transactions
requested (“nn”).
29 Space
30 Type of transaction
requested:
■ ‘A’ = All
transaction types
■ ‘C’ = Checks only
■ ‘D’ = Deposits only
■ ‘M’ = MAC®/STAR
transactions only
Valid values include:
■ ‘LAST05 M’ = Last 5 MAC®/STAR

transactions
■ ‘LAST05 C’ = Last 5 check transactions
■ ‘LAST05 D’ = Last 5 deposit transactions
■ ‘LAST10 A’ = Last 10 transactions
■ ‘LAST20 A’ = Last 20 transactions
■ ‘LAST20 C’ = Last 20 check transactions
■ ‘ALL 99 A’ = All transaction up to 99

occurrences
31 1 Language Set by the terminal:
■ ‘E’ = English (or space as default)
■ ‘S’ = Spanish
32 1 Header/Trailer Indicates whether a Header/Trailer is

Indicator expected:
■ ‘Y’ = Yes
■ ‘N’ = No

DE 121 Reply Fixed Segment (11 Bytes)
The Reply Fixed Segment is 11 bytes in length and provides basic information
about the message and its relationship to the entire reply. This segment
begins in position 33 of DE 121, following the 32-byte Statement Data Fixed
Segment. The position numbers given below are relative to the segment. The
subsequent segments present in the message must match the Statement
Composition indicator in position 11 of the Reply Fixed Segment.
Table 15.2: Reply Fixed Segment Format

1 1 Transaction Order ■ ‘C’ = Chronological
■ ‘R’ = Reverse chronological (last in, first out)
2-3 2 Message Occurrence Sequence number of this message (‘01’ through

‘99’) in the reply; the value increments on each
reply sent.
4-5 2 Total Number of Total number of messages to complete statement

Messages request.
6-8 3 Total Number of Items Total number of items in all messages.
9-10 2 Number of Items Here Number of items in this message.
11 1 Statement Composition ■ Type of items this message contains:
◆ ‘H’ = Header
◆ ‘D’ = Detail
◆ ‘T’ = Trailer
■ The subsequent segments present in the

message must match this indicator.

DE 121 Reply Detail Segment (31 Bytes)
The Detail Segment is 31 bytes, and holds the actual transaction data.
Multiple occurrences of the Detail Segment can appear in the data element of
a reply. The number of occurrences of the Detail Segment is indicated by the
Number of Items Here field (positions 9-10).
■ If numeric packing option is disabled, occurs up to 25 times (775 bytes
maximum)
■ If numeric packing option is enabled, occurs up to 6 times (186 bytes
maximum)
At least one occurrence of the 31-byte Detail Segment described below must
follow the reply’s fixed segment, beginning in position 44. Because there may
be several occurrences, the position numbers given below are relative to the
segment
The Detail Segment(s) must be sent in a separate message — they may not
be present in the same message with the Header or Trailer segments.
If Header and/or Trailer messages are included in the replies, then the Detail
message(s) must follow the Header message and precede the Trailer
message.
Table 15.3: Reply Detail Segment Format

1-4 4 Transaction Date MMDD
5-20 16 Transaction Description Left-justified, space-filled
21-29 9 Transaction Amount Right-justified, zero-filled
30-31 2 Debit/Credit Indicator ■ ‘CR’ = Credit
■ ‘DR’ = Debit

DE 121 Reply Header Segment (72 Bytes)
A Header Segment is optional if the Header/Trailer Indicator in the statement

request message is ‘Y’. One occurrence is 72 bytes; the segment can occur up
to two times, 144 bytes maximum. The first occurrence of the Header
Segment begins in position 44, immediately following the Reply Fixed
Segment. the position numbers shown below are relative to the segment.
If a Header message is included it must be the first reply message sent. The
Header Segment(s) must be sent in a separate message — they may not be
present in the same message with the Trailer or Detail segments.
Table 15.4: Reply Header Segment Format

1-2 2 Line Indicator ■ ‘H1’ = Header line 1
■ ‘H2’ = Header line 2
3-72 70 Free-form Description Left-justified, space-filled
DE 121 Reply Trailer Segment (72 Bytes)
A Trailer Segment is optional if the Header/Trailer Indicator in the statement

request message is ‘Y’. One occurrence is 72 bytes; the segment can occur up
to two times, 144 bytes maximum. The first occurrence of the trailer Segment
begins in position 44, immediately following the Reply Fixed Segment. The
Position numbers shown below are relative to the segment.
If a Trailer message is included it must be the last reply message sent. The
Trailer Segment(s) must be sent in a separate message — they may not be
present in the same message with Header or Detail segments.
Table 15.5: Reply Trailer Segment Format

1-2 2 Line Indicator ■ ‘T1’ = Trailer line 1
■ ‘T2’ = Trailer line 2
3-72 70 Free-form Description Left-justified, space-filled

Chapter 16 360
Country/Currency/State Codes
Country/Currency Code
Table 16.1: ISO Country and Currency Codes

Country Codes Currency Codes
3-Digit 2-Digit Currency Code Decimal
Country or Entity Numeric Alpha Alpha Numeric Alpha Places
Afghanistan 004 AFG AF 971 AFN 2
Albania 008 ALB AL 008 ALL 2
Algeria 012 DZA DZ 012 DZD 2
American Samoa 016 ASM AS 840 USD 2
ESP 0
Andorra 020 AND AD 978 EUR 2
020 ADP 0
250 FRF 2
Angola 024 AGO AO 024 AON 2
982 AOR 2
973 AOA 2
Anguilla 660 AIA AI 951 XCD 2
Antarctica 010 ATA AQ No universal currency
Antigua & Barbuda 028 ATG AG 951 XCD 2
Argentina 032 ARG AR 032 ARS 2
Armenia 051 ARM AM 051 AMD 2
Aruba 533 ABW AW 533 AWG 2
Australia 036 AUS AU 036 AUD 2
Austria 040 AUT AT 040 ATS 2
978 EUR 2
Azerbaijan 031 AZE AZ 944 AZN 2

Table 16.1: ISO Country and Currency Codes (cont.)

Bahamas 044 BHS BS 044 BSD 2
Bahrain 048 BHR BH 048 BHD 3
Bangladesh 050 BGD BD 050 BDT 2
Barbados 052 BRB BB 052 BBD 2
Belarus 112 BLR BY 974 BYR 0
Belgium 056 BEL BE 056 BEF 0
978 EUR 2
Belize 084 BLZ BZ 084 BZD 2
Benin 204 BEN BJ 952 XOF 0
Bermuda 060 BMU BM 060 BMD 2
Bhutan 064 BTN BT 356 INR 2
064 BTN 2
Bolivia 068 BOL BO 068 BOB 2
Bosnia and 070 BIH BA 977 BAM 2

Herzegovina
Botswana 072 BWA BW 072 BWP 2
Bouvet Island 074 BVT BV 578 NOK 2
Brazil 076 BRA BR 986 BRL 2
British Indian O. 086 IOT IO 840 USD 2

Terr
British Virgin 092 VGB VG 840 USD 2

Islands
Brunei Darussalam 096 BRN BN 096 BND 2
Bulgaria 100 BGR BG 975 BGN 2
Burkina Faso 854 BFA BF 952 XOF 0
Burundi 108 BDI BI 108 BIF 0


Cambodia 116 KHM KH 116 KHR 2
Cameroon United 120 CMR CM 950 XAF 0

Republic of
Canada 124 CAN CA 124 CAD 2
Cape Verde 132 CPV CV 132 CVE 2
Cayman Islands 136 CYM KY 136 KYD 2
Central Africa 140 CAF CF 950 XAF 0

Republic
Chad 148 TCD TD 950 XAF 0
Chile 152 CHL CL 152 CLP 2
China 156 CHN CN 156 CNY 2
Christmas Island 162 CXR CX 036 AUD 2
Cocos (Keeling) 166 CCK CC 036 AUD 2

Island
Colombia 170 COL CO 170 COP 2
Comoros 174 COM KM 174 KMF 0
Congo 178 COG CG 976 CDF 2
Cook Islands 184 COK CK 554 NZD 2
Costa Rica 188 CRI CR 188 CRC 2
Croatia 191 HRV HR 191 HRK 2
Cuba 192 CUB CU 192 CUP 2
Cypress 196 CYP CY 978 EUR 2
Czech Republic 203 CZE CZ 203 CZK 2
Democratic Republic 180 COD CD 976 CDF 2

of Congo
Denmark 208 DNK DK 208 DKK 2


Djibouti 262 DJI DJ 262 DJF 0
Dominica 212 DMA DM 951 XCD 2
Dominican Republic 214 DOM DO 214 DOP 2
Ecuador 218 ECU EC 218 ECS 2
840 USD 2
983 ECV 2
Egypt 818 EGY EG 818 EGP 2
El Salvador 222 SLV SV 222 SVC 2
840 USD 2
Equatorial Guinea 226 GNQ GQ 950 XAF 0
Eritrea 232 ERI ER 230 ETB 2
232 ERN 2
Estonia 233 EST EE 233 EEK 2
Ethiopia 230 ETH ET 230 ETB 2
Euro N/A N/A N/A 978 EUR 2
Faeroe Islands 234 FRO FO 208 DKK 2
Falkland Islands 238 FLK FK 238 FKP 2

-(Malvinas)
Fiji 242 FJI FJ 242 FJD 2
Finland 246 FIN FI 246 FIM 2
978 EUR 2
France 250 FRA FR 250 FRF 2
978 EUR 2
France Metropolitan 249 FXX FX 978 EUR 2


French Guiana 254 GUF GF 250 FRF 2
978 EUR 2
French Polynesia 258 PYF PF 953 XPF 0
French S. Territories 260 ATF TF 250 FRF 2
978 EUR 2
Gabon 266 GAB GA 950 XAF 0
Gambia 270 GMB GM 270 GMD 2
Georgia 268 GEO GE 981 GEL 2
Germany, Republic 280 DEU DE 280 DEM 2

of
978 EUR 2
Ghana 288 GHA GH 936 GHS 2
Gibraltar 292 GIB GI 292 GIP 2
Greece 300 GRC GR 300 GRD 0
978 EUR 2
Greenland 304 GRL GL 208 DKK 2
Grenada 308 GRD GD 951 XCD 2
Guadeloupe 312 GLP GP 250 FRF 2
978 EUR 2
Guam 316 GUM GU 840 USD 2
Guatemala 320 GTM GT 320 GTQ 2
Guinea 324 GIN GN 324 GNF 0
Guinea Bissau 624 GNB GW 624 GWP 2
Guyana 328 GUY GY 328 GYD 2


Haiti 332 HTI HT 332 HTG 2
840 USD 2
Heard & McDonald 334 HMD HM 036 AUD 2

Islands
Honduras 340 HND HN 340 HNL 2
Hong Kong 344 HKG HK 344 HKD 2
Hungary 348 HUN HU 348 HUF 2
Iceland 352 ISL IS 352 ISK 2
India 356 IND IN 356 INR 2
Indonesia 360 IDN ID 360 IDR 0
Iran 364 IRN IR 364 IRR 2
Iraq 368 IRQ IQ 368 IQD 3
Ireland 372 IRI IE 372 IEP 2
978 EUR 2
Israel 376 ISR IL 376 ILS 2
Italy 380 ITA IT 380 ITL 0
978 EUR 2
Ivory Coast (Cote 384 CIV CI 952 XOF 0

D'Ivoire)
Jamaica 388 JAM JM 388 JMD 2
Japan 392 JPN JP 392 JPY 0
Jordan 400 JOR JO 400 JOD 3
Kazakstan 398 KAZ KZ 398 KZT 2
Kenya 404 KEN KE 404 KES 2
Kiribati 296 KIR KI 036 AUD 2


Korea, Democratic 408 PRK KP 408 KPW 2

People's
Korea, Republic of 410 KOR KR 410 KRW 0
Kuwait 414 KWT KW 414 KWD 3
Kyrgyzstan 417 KGZ KG 417 KGS 2
Lao People's 418 LAO LA 418 LAK 2

Democratic Republic
Latvia 428 LVA LZ 428 LVL 2
Lebanon 422 LBN LB 422 LBP 2
Lesotho 426 LSO LS 710 ZAR 2
426 LSL 2
Liberia 430 LBR LR 430 LRD 2
Libyan Arab 434 LBY LY 434 LYD 3

Jamahiriya
Liechtenstein 438 LIE LI 756 CHF 2
Lithuania 440 LTU LT 440 LTL 2
Luxembourg 442 LUX LU 442 LUF 0
978 EUR 2
Macau 446 MAC MO 446 MOP 2
Macedonia 807 MKD MK 807 MKD 2
Madagascar 450 MDG MG 969 MGA 2
Malawi 454 MWI MW 454 MWK 2
Malaysia 458 MYS MY 458 MYR 2
Maldives 462 MDV MV 462 MVR 2
Mali 466 MLI ML 952 XOF 0
Malta 470 MLT MT 978 EUR 2


Marshall Islands 584 MHL MH 840 USD 2
Martinique 474 MTQ MQ 250 FRF 2
978 EUR 2
Mauritania 478 MRT MR 478 MRO 2
Mauritius 480 MUS MU 480 MUR 2
Mayotte 175 MYT YT 250 FRF 2
978 EUR 2
Mexico 484 MEX MX 484 MXN 2
Micronesia 583 FSM FM 840 USD 2
Moldova, Rep. of 498 MDA MD 498 MDL 2
Monaco 492 MCO MC 250 FRF 2
978 EUR 2
Mongolia 496 MNG MN 496 MNT 2
Montenegro 536 NTZ NT 978 EUR 2
Montserrat 500 MSR MS 951 XCD 2
Morocco 504 MAR MA 504 MAD 2
Mozambique 508 MOZ MZ 943 MZN 2
Myanmar 104 MMR MM 104 MMK 2
Namibia 518 NAM NA 516 NAD 2
Nauru 520 NRU NR 036 AUD 2
Nepal 524 NPL NP 524 NPR 2
Netherlands 528 NLD NL 528 NLG 2
978 EUR 2
Netherlands Antilles 530 ANT AN 532 ANG 2
New Caledonia 540 NCL NC 953 XPF 0


New Zealand 554 NZL NZ 554 NZD 2
Nicaragua 558 NIC NI 558 NIO 2
Niger 562 NER NE 952 XOF 0
Nigeria 566 NGA NG 566 NGN 2
Niue 570 NIU NU 554 NZD 2
Norfolk Island 574 NFK NF 036 AUD 2
Northern Mariana 580 MNP MP 840 USD 2

Islands
Norway 578 NOR NO 578 NOK 2
Oman 512 OMN OM 512 OMR 3
Pakistan 586 PAK PK 586 PKR 2
Palau 585 PLW PW 840 USD 2
Palestinian Territory, 275 PSE PS 840 USD 2

Occupied
Panama 591 PAN PA 590 PAB 2
840 USD 2
Papua New Guinea 598 PNG PG 598 PGK 2
Paraguay 600 PRY PY 600 PYG 0
Peru 604 PER PE 604 PEN 2
Philippines 608 PHL PH 608 PHP 2
Pitcairn Island 612 PCN PN 554 NZD 2
Poland 616 POL PL 985 PLN 2
Portugal 620 PRT PT 620 PTE 0
978 EUR 2
Puerto Rico 630 PRI PR 840 USD 2
Qatar 634 QAT QA 634 QAR 2


Reunion 638 REU RE 250 FRF 2
978 EUR 2
Romania 642 ROM RO 642 ROL 2
946 RON 2
Russian Federation 643 RUS RU 810 RUR 2
643 RUB 2
Rwanda 646 RWA RW 646 RWF 0
St. Helena 654 SHN SH 654 SHP 2
St. Kitts-Nevis 659 KNA KN 951 XCD 2
St. Lucia 662 LCA LC 951 XCD 2
St. Pierre and 666 SPM PM 250 FRF 2

Miquelon
978 EUR 2
St. Vincent & The 670 VCT VC 951 XCD 2
Grenadines
Samoa 882 WSM WS 882 WST 2
San Marino 674 SMR SM 380 ITL 0
978 EUR 2
Sao Tome & Principe 678 STP ST 678 STD 2
Saudi Arabia 682 SAU SA 682 SAR 2
Senegal 686 SEN SN 952 XOF 0
Serbia 688 SER SR 941 RSD 2
Seychelles 690 SYC SC 690 SCR 2
Sierra Leone 694 SLE SL 694 SLL 2
Singapore 702 SGP SG 702 SGD 2
Slovakia 703 SVK SK 703 SKK 2


Slovenia 705 SVN SI 978 EUR 2
Solomon Islands 090 SLB SB 090 SBD 2
Somalia 706 SOM SO 706 SOS 2
South Africa 710 ZAF ZA 710 ZAR 2
So. George & So. 239 SGS GS 826 GBP 2

Sandwich Is.
Spain 724 ESP ES 724 ESP 0
978 EUR 2
Sri Lanka 144 LKA LK 144 LKR 2
Sudan 736 SDN SD 736 SDD 2
Suriname 740 SUR SR 968 SRD 2
Svalbard & Jan 744 SJM SJ 578 NOK 2

Mayen Island
Swaziland 748 SWZ SZ 748 SZL 2
Sweden 752 SWE SE 752 SEK 2
Switzerland 756 CHE CH 756 CHF 2
Syrian Arab 760 SYR SY 760 SYP 2

Republic
Taiwan, Prov. of 158 TWN TW 901 TWD 2

China
Tajikistan 762 TJK TJ 972 TJS 2
Tanzania 834 TZA TZ 834 TZS 2
Thailand 764 THA TH 764 THB 2
Timor-Leste 840 TLS TL 840 USD 2
Togo 768 TGO TG 952 XOF 0
Tokelau 772 TKL TK 554 NZD 2


Tonga 776 TON TO 776 TOP 2
Trinidad & Tobago 780 TTO TT 780 TTD 2
Tunisia 788 TUN TN 788 TND 3
Turkey 792 TUR TR 949 TRY 2
Turkmenistan 795 TKM TM 934 TMT 2
Turks & Caicos 796 TCA TC 840 USD 2

Islands
Tuvalu 798 TUV TV 036 AUD 2
Uganda 800 UGA UG 800 UGX 2
Ukraine 804 UKR UA 980 UAH 2
United Arab 784 ARE AE 784 AED 2

Emirates
United Kingdom 826 GBR GB 826 GBP 2
United States 840 USA US 840 USD 2
U.S. Minor Outlying 581 UMI UM 840 USD 2

Islands
U.S. Virgin Islands 850 VIR VI 840 USD 2
Uruguay 858 URY UY 858 UYU 2
Uzbekistan 860 UZB UZ 860 SUM 2
Vanuatu 548 VUT VU 548 VUV 2
Vatican City State 336 VAT VA 380 ITL 0
978 EUR 2
Venezuela 862 VEN VE 937 VEF 2
Vietnam 704 VNM VN 704 VND 2
Wallis and Futuna 876 WLF WF 953 XPF 0

Islands


Western Sahara 732 ESH EH 504 MAD 2
Yemen 887 YEM YE 886 YER 2
Yugoslavia 891 YUG YU 890 YUN 2
891 YUM 2
Zambia 894 ZMB ZM 894 ZMK 2
Zimbabwe 716 ZWE ZW 716 ZWD 2

State Codes
Table 16.2: State Codes
State Alpha Numeric
Alabama AL 01
Alaska AK 02
Arizona AZ 04
Arkansas AR 05
California CA 06
Colorado CO 08
Connecticut CT 09
Delaware DE 10
District of Colombia DC 11
Florida FL 12
Georgia GA 13
Hawaii HI 15
Idaho ID 16
Illinois IL 17
Indiana IN 18
Iowa IA 19
Kansas KS 20
Kentucky KY 21
Louisiana LA 22
Maine ME 23
Maryland MD 24
Massachusetts MA 25
Michigan MI 26
Minnesota MN 27
Mississippi MS 28

Table 16.2: State Codes (cont.)

State Alpha Numeric
Missouri MO 29
Montana MT 30
Nebraska NE 31
Nevada NV 32
New Hampshire NH 33
New Jersey NJ 34
New Mexico NM 35
New York NY 36
North Carolina NC 37
North Dakota ND 38
Ohio OH 39
Oklahoma OK 40
Oregon OR 41
Pennsylvania PA 42
Rhode Island RI 44
South Carolina SC 45
South Dakota SD 46
Tennessee TN 47
Texas TX 48
Utah UT 49
Vermont VT 50
Virginia VA 51
Washington WA 53
West Virginia WV 54
Wisconsin WI 55
Wyoming WY 56


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STAR ISO 8583 Message

This document contains confidential and proprietary information of First

All trademarks, service marks, and trade names referenced in this

Revision Guide February 2011

Chapter Updated Description of Change

Chapter 1 Updated Introduction

Chapter 3 Updated tables:

■ Table 3.11: 0100/0101 Pre-authorization Request

■ Table 3.12: 0110 Pre-authorization Response

■ Table 3.13: 0120/0121 Pre-authorization Advice

■ Table 3.15: 0200/0201 Financial Transaction Request

■ Table 3.16: 0210 Financial Transaction Response

■ Table 3.17: 0220/021 Financial Transaction Advice

■ Table 3.33: 0420/0421 Acquirer Reversal Advice

Chapter 4 Updated elements:

■ DE 042 Card Acceptor/Merchant Identification Code

■ DE 125 Network Management Information/Tagged Issuer

Chapter 9 Updated Table 9.1: Valid Response Codes

■ Added ‘A1’, ‘A2’ and ‘S7’

Chapter 11 Updated Table 11.9: Position 9-10: Terminal Type

Chapter 13 Updated Data Element 104: Transaction Description -

STAR ISO 8583 MESSAGE FORMAT GUIDE

STAR ISO 8583 MESSAGE FORMAT GUIDE

0312 Card Issuer File Update Response (Negative File) 90

STAR ISO 8583 MESSAGE FORMAT GUIDE

Point of Sale 240

STAR ISO 8583 MESSAGE FORMAT GUIDE

Account List Inquiry 344

STAR ISO 8583 MESSAGE FORMAT GUIDE

Part 1: STAR ISO 8583 Message

STAR ISO 8583 MESSAGE FORMAT GUIDE

Manual Title Description

STAR ISO 8583 MESSAGE FORMAT GUIDE

■ Transaction Amount ■ Currency Information

■ Merchant Type Code ■ Point of Service Information

■ Convenience Fees (Surcharge and ■ Response Codes

■ Location Information ■ Additional Amount Information

■ Network Identifiers ■ Merchant Authorized Transactions

■ Merchant Authorized Submissions ■ Matching POS Pre-authorization to

■ Routebacks ■ Over/Under Dispense Reversals

■ Corrections/Cancellations ■ STAR ISO Message Handling

STAR ISO 8583 MESSAGE FORMAT GUIDE

Fields DE 004 Amount, Transaction

DE 005 Amount, Settlement

DE 006 Amount, Cardholder Billing

Considerations ■ When a STAR cardholder is performing an ATM or POS transaction in

■ Because the STAR platform is settled in US dollars and currently all

■ For MasterCard transactions that include a currency conversion

■ When a cardholder of a non-US-based issuer uses a STAR ATM or POS

STAR ISO 8583 MESSAGE FORMAT GUIDE

Fields DE 009 Conversion Rate, Settlement

DE 010 Conversion Rate, Cardholder Billing

DE 016 Date, Conversion

DE 019 Acquiring Institution Country Code

DE 049 Currency Code, Transaction

DE 050 Currency Code, Settlement

DE 051 Currency Code, Cardholder Billing

DE 114 Country Code, Authorizing Agent

■ Other networks to which a STAR network is connected (e.g., CIRRUS

■ The Acquirer Institution Country Code would be valuable to business/

Merchant Type Code

Fields DE 018 Merchant Type

STAR ISO 8583 MESSAGE FORMAT GUIDE