F22-POINT OF SERVICE ENTRY MODE: This is the field that holds how the transaction was performed via the POS/ATM and the PIN entry capability of the POS device. The first 2 digits indicate how the transaction was performed, and the last digit (shown as x) carries the POS's PIN entry capability. It is 3 digits, numeric.
| ISO Code | Description |
| 00x | PAN entry mode unknown. |
| 01x | PAN manual entry. |
| 02x | Magnetic Stripe, the magnetic stripe has not been fully read and/or transmitted. |
| 03x | PAN auto-entry via bar code reader. |
| 04x | PAN auto-entry via optical character reader (OCR). |
| 05x | PAN auto-entry via integrated circuit card. |
| 06x | PAN key entry. |
| 07x | Contactless Chip |
| 79x | Chip card or chip-capable terminal was unable to process transaction using data on the chip or magnetic stripe, therefore, PAN was entered via manual entry, or Acquirer not certified to process the value “80”, so the MDS replaced “80” with “79”. |
| 80x | Chip card or chip-capable terminal was unable to process transaction using data on the chip, therefore, the PAN was entered via magnetic stripe. The full track data has been read from the data encoded on the card and transmitted within the authorization request on Track-2 Data (DE 35) or Track-1 Data (DE 45) without alteration or truncation. |
| 81x | PAN manual entry via electronic commerce. |
| 90x | PAN auto-entry via magnetic stripe-the full track data has been read from the data encoded on the card and transmitted within the authorization request on DE 35 or DE 45 without alteration or truncation. |
| 91x | Contactless MagStripe |
| 95x | Integrated circuit card read, CVV data may be unreliable |
| x | Description |
| 0 | Unspecified or unknown. |
| 1 | Terminal has PIN entry capability. |
| 2 | Terminal does not have PIN entry capability. |
| 8 | Terminal has PIN entry capability, but PIN pad is out of service. |
| 9 | PIN verified by terminal device. |