DE 95—REPLACEMENT AMOUNTS: shows the transaction amount information in a full or partial reversal.
| Subfield | Description | Attribute |
| 1 | Actual Amount, Transaction | (n-12) |
| 2 | Actual Amount, Settlement (provided by the MDS) | (n-12) |
| 3 | zero fill | (n-12) |
| 4 | zero fill | (n-6) |
What is a partial reversal?
A partial reversal is the reversal of only part of the amount of an approved transaction. For example, at fuel stations, hotels or car rentals, approval is first obtained for an estimated amount. If the actual amount at the end of the transaction is lower, a partial reversal is made for the difference. At ATMs, a partial reversal message is also sent when only part of the requested amount can be dispensed.
The relationship between F95 and F4
In the reversal message, field F4 shows the amount of the original transaction. F95 carries the new, actual amount of the transaction. The issuing bank calculates the difference between the two values and returns this difference to the cardholder's limit or account.
F95 in a full reversal
In a full reversal, the entire transaction is reversed, so the actual amount is zero. In some networks, F95 is not sent at all in full reversals, while in others the amount fields are sent as zero. Since this behavior varies from network to network, the relevant network's specification should be followed.
Meaning of the subfields
In the table above, the first subfield shows the actual amount in the transaction currency, and the second subfield shows the actual amount in the settlement currency. The other subfields are zero-filled in this usage. The term “MDS” in the table refers to Mastercard's debit network. This structure belongs to the Mastercard specification; the subfield structure may be different in other networks.
