Diagram illustrating TCR (Transaction Record Component) packets used in payment clearing and settlement files

TCR stands for Transaction Record Component. It is the name given to the packets that carry transaction-related information within the clearing system.

In the clearing file, transaction types are distinguished by their transaction code and usage code values. Information about the transaction is sent inside packets called TCRs. 

The TCR values and their descriptions are listed below.

  • TCR 0 – Transaction Data
  • TCR 1 – Transaction Data, Additional Information
  • TCR 2 — Passenger Itinerary Data
  • TCR A — Passenger Itinerary Data Continued
  • TCR B – Passenger Itinerary Data Continued
  • TCR 3 – Installment Payment Data
  • TCR 4 — Gateway Data
  • TCR 5 – Payment Service Data
  • TCR 6 – Limited Use Data
  • TCR 7 – Shipping / Billing Data
  • TCR 8 – Shipping / Billing Data, Continued

TCR 0 — The table below shows the layout of the Capture TC 33, TCR 0 record.

PositionField LengthContentsComments
1-22Transaction codeThis field is a numeric
value indicating the transaction
code. For example, for TC33
the value is “33”.
31Transaction Code QualifierThis field is a numeric
value indicating the transaction
code qualifier.
41Transaction ComponentThis field is a numeric
Sequence Numbervalue indicating the type of data
contained in the record.
5-106Destination BINThis field contains the value of the
acquiring BIN.
11-166Source BINThis field always contains the
value 481222.
17-204TC33 Application CodeThis field contains the value
CPTR.
21-3616Account numberThis field contains the issuer-
assigned number identifying the
cardholder's account. The entry
must be a 16-digit numeric value.
37-393Account Number ExtensionThis field always contains a three-
digit extension of the account
number, allowing the account
numbers of up to 19 digits.
40-456Acquirer BINThis field always contains the acquirer
BIN used in authorization.
46-5611Record LocatorThis field always contains a number
used to identify the records of the
transaction
57-604Purchase dateThis field contains the date the
purchase transaction was performed,
(MMDD) according to Greenwich
Mean Time (GMT).
61-7212Source AmountThis field contains the purchase
value in the transaction currency,
formatted according to the currency
exponent.
73-753Source Currency CodeThis field contains the currency
code used in the transaction (ISO
currency code).
76-10025Merchant NameThis field
the original merchant of the
transaction
101-11313Merchant CityThis field contains the merchant
city.
114-1163Merchant Country CodeThis field contains the code
indicating the country in which
the transaction took place.
117-1204Merchant Category CodeThis field indicates the type of
business, product, or
service of the merchant.
121-1233Merchant State/ProvinceIf the Merchant Country Code is
Codethe USA or Canada, this field contains a
valid U.S. State Code or Canadian
Province Code, respectively.
1241Authorization CharacteristicsThis field contains the code used
Indicatorby the acquirer to request CPS
qualification.
125-1306Authorization CodeThis field contains the code that
an issuer, authorizing
processor, or Stand-In Processing
(STIP) assigns to indicate
approval of a transaction.
1311POS Terminal CapabilityThis field indicates the capability
of the point-of-sale (POS) terminal.
1321Cardholder Identification MethodThis field indicates the method used
to identify the cardholder (e.g.,
signature, Personal Identification
Number (PIN), etc.).
133-1342POS Entry ModeThis field indicates the method by
which the point-of-transaction
terminal captures and transmits
cardholder information.
135-1362Action CodeThis field contains the code used
to determine the record type.
Valid values:
01 – Capture
02 – Merchandise Credit
03 – Reserved
04 – Reserved
for PPN (payment processing
network) use. Capture
and Merchandise Credit records
will be converted to TC 05, and
TC 06 records will be deleted,
respectively.
137-1459Total Transaction CountThis field contains the total
count of all transactions in the
capture file.
146-16520Total Transaction AmountThis field contains the hash total
of all transaction amounts within
the file.
166-1672Service IdentifierThis field contains the code used
to determine the service type. (For example,
“01” – VPOS and “02” – Reserved)

TCR 1 — The table below shows the layout of the Capture TC 33, TCR 1 record.

Field
PositionLengthContentsComments
1-22Transaction codeThis field is a numeric
value indicating the transaction
code. For example, for TC33
the value is “33”.
31Transaction Code QualifierThis field is a numeric
value indicating the transaction
code qualifier.
41Transaction ComponentThis field is a numeric
Sequence Numbervalue indicating the type of data
contained in the record.
5-73Fee Program IndicatorThis field contains an interchange
reimbursement fee program
indicator (FPI).
8-2215Card Acceptor IdentifierThis field
identifies the card acceptor
that operates the POS terminal.
23-308Terminal IdentifierThis field
identifies the card acceptor
terminal.
311Mail / Telephone / ElectronicThis field indicates that the transaction
Commerce and Paymentwas conducted by mail order,
Indicatortelephone, or electronic
commerce.
321Unattended AcceptanceThis field indicates the type of
Terminal Indicatorunattended terminal.
331Service Development FieldThis field indicates the type of
commerce.
341AVS Response CodeThis field contains the response to
an Address Verification Service
(AVS) request.
351Authorization Source CodeThis field
indicates the card present in authorization and
the type of commerce or service
requested.
361Purchase Identifier FormatThis field indicates the format of
additional identifying information,
such as for purchases, order
number, or invoice number, etc.
371Account SelectionThis field indicates the account type
(savings, checking, etc.).
38-6225Purchase IdentifierThis field identifies the purchase transaction
to the card-issuing organization and the cardholder.
631POS EnvironmentThis field is a recurring
transaction indicator.
64-652Card Identifier / Payment MethodThis field
indicates the payment method. For example,
“VI” —Visa, “MC” —MasterCard,
etc.
66-716Processing CodeThis field contains the code used to
determine the transaction type.
72-732Decimal Position IndicatorThis field indicates the decimal
positions of all amount fields.
74-774Draft Date FieldThis field contains a Merchant
Capture Date (MMDD).
78-8912Retrieval Reference NumberThis field contains a number
used to identify and trace all
messages related to a given
cardholder transaction.
90-934Expiration dateThis field contains the expiration
date (YYMM).
94-11926PPN Request Record IdentifierThis field contains a Unique
Request Record Identifier assigned by
PPN for each transaction.
120-14526Batch Request IdentifierThis field contains a Batch
Request ID.
146-1494Capture File NumberThis field contains a unique identifier
assigned to the capture file.
150-1578Capture Creation DateThis field indicates the capture file
creation date (YYYYMMDD).
158-1614Authorization DateThis field
indicates the authorization date of the
transaction (MMDD).
162-1632Point-of-Service ConditionThis field contains the Point-of-
CodeService Condition Code.
164-1674Network IdentifierThis field contains a code
identifying the network used
for transmission of the transaction.

TCR 2 — The table below shows the layout of the Capture TC 33, TCR 2 record.

Field
PositionLengthContentsComments
1-22Transaction codeThis field is a numeric
value indicating the transaction
code. For example, for TC33
the value is “33”.
31Transaction Code QualifierThis field is a numeric
value indicating the transaction
code qualifier.
41Transaction ComponentThis field is a numeric
Sequence Numbervalue indicating the type of data
contained in the record.
5-2420Passenger NameThis field contains the name of the
passenger.
25-306Departure dateThis field contains the date of the
passenger's departure,
in MMDDYY format (month, day,
year).
31-333Origin City / Airport CodeThis field contains a code
indicating the city and/or airport
where the trip began.
34-418Travel Agency CodeThis field contains a code
identifying the travel agency
if the ticket was issued by a travel
agency.
42-6625Travel Agency NameThis field contains the name of the
travel agency if the ticket
was issued by a travel agency.
671Restricted Ticket IndicatorThis field indicates whether
this ticket is
refundable.
68-714Computerized ReservationThis field contains the
Systemcomputerized reservation system
used to make the reservation and
purchase the ticket.
72-8615Ticket NumberThis field contains the ticket
number.
87-10620Total Clearing AmountThis field contains the total
Clearing Amount.
107-13125Customer CodeThis field contains the reference
number or code identifying the
customer or consumer.
132-1332Multiple Clearing SequenceThis field contains a sequence
Numbernumber that distinguishes
a specific clearing message among
multiple clearing messages.
134-1352Multiple Clearing SequenceThis field contains a number
Amountamount of the multiple clearing sequence.

TCR A — The table below shows the layout of the Capture TC 33, TCR A record.

Field
PositionLengthContentsComments
1-22Transaction codeThis field is a numeric
value indicating the transaction
code. For example, for TC33,
the value is “33”.
31Transaction codeThis field is a numeric
Qualifiervalue indicating the transaction
code qualifier.
41TransactionThis field is a numeric
Componentvalue indicating the type of data
Sequence Numbercontained in the record.
5-2319Total Fee AmountThis field contains the total Fee
Amount
24-4219Total Tax AmountThis field contains the total
Tax Amount.
43-6220Total Fee AmountThis field contains the total Fee
Amount

TCR B — The table below shows the layout of the Capture TC 33, TCR B record.

Field
PositionLengthContentsComments
1-22Transaction codeThis field is a numeric
value indicating the transaction
code. For example, for TC33
the value is “33”.
31Transaction Code QualifierThis field is a numeric
value indicating the transaction
code qualifier.
41Transaction ComponentThis field is a numeric
Sequence Numbervalue indicating the type of data
contained in the record.
5-117Trip Leg 1 InformationThis field contains a description of
the first leg of the trip.
5-62Carrier codeThis field indicates whether
the carrier code.
71Class of ServiceThis field indicates whether
the class of service (first class, business
class, etc.).
81Stopover CodeThis field indicates whether
whether a stopover is permitted on
this ticket.
9-113Destination City / AirportThis field indicates whether
the airport code of the destination city.
12-176Fare Basis Code_Leg 1This field contains the fare basis code
used for the first leg of the trip.
18-225Flight Number_Leg 1This field
indicates the airline flight to be taken on the first leg
of the journey.
23-286Departure Date_Leg 1This field contains the date of
passenger's departure,
(MMDDYY) on the first leg of the trip.
29-324Departure Time_Leg 1This field contains the time of
the passenger's departure on the first leg
of the trip (HHMM).
331Departure Time Segment_Leg 1This field contains the time of
passenger's departure,
segment of the first leg of the trip.
34-374Arrival Time_Leg 1This field contains the time of
the passenger’s arrival on the first leg
of the trip (HHMM)
381Arrival Time Segment_Leg 1This field contains the time of
the passenger’s arrival at the segment
of the first leg of the trip.
39-5820Endorsement / Restrictions_Leg 1This field indicates whether
the endorsement / restrictions for
the first leg of the trip.
59-8325Conjunction Ticket_Leg 1This field contains the conjunction
ticket information for the first leg
of the trip.
84-10825Exchange Ticket_Leg 1This field contains the exchange
ticket information for the first leg
of the trip.
1091Coupon Number_Leg 1This field contains the coupon
number for the first leg of the trip.

TCR 3 — The table below shows the layout of the Capture TC 33, TCR 3 record.

Field
PositionLengthContentsComments
1-22Transaction codeThis field is a numeric
value indicating the transaction
code. For example, for TC33
the value is “33”.
31Transaction codeThis field is a numeric
Qualifiervalue indicating the transaction
code qualifier.
41TransactionThis field is a numeric
Componentvalue indicating the type of data
Sequence Numbercontained in the record.
5-1612InstallmentThis field contains the
Total Paymenttotal amount of the installment
Amountpayments, formatted based on the
currency exponent.
17-193InstallmentThis field indicates an installment payment
Paymentcurrency code (ISO numeric
Currency Codevalue).
20-223CountThis field contains the
Installmentnumber of installment payments.
23-3412Amount of EachThis field contains the
Installmentamount of each installment,
formatted based on the payment
currency exponent.
35-373InstallmentThis field contains the
Payment Numbernumber of the current payment.
381FrequencyThis field contains the
Installmentinstallment payment frequency.

TCR 4 — The table below shows the layout of the Capture TC 33, TCR 4 record.

Field
PositionLengthContentsComments
1-22Transaction codeThis field is a numeric
value indicating the transaction
code. For example, for TC33
the value is “33”.
31Transaction Code QualifierThis field is a numeric
value indicating the transaction
code qualifier.
41Transaction ComponentThis field is a numeric
Sequence Numbervalue indicating the type of data
contained in the record.
5-84MasterCard Merchant SICThis field contains the Merchant
CodeSIC Code assigned by the
acquirer.
9-113MasterCard POS EntryThis field contains a POS Entry
ModeMode value sent by the
MasterCard network.
12-132MasterCard POS PINThis field contains a POS PIN
Capture CodeCapture Code value as sent
by the MasterCard network.
14-3926MasterCard / AmericanThis field contains a POS Data
Express POS Datavalue submitted by the
MasterCard / American Express
network.
40-4910MasterCard Date and TimeThis field contains a Date and
Time value mapped from a
MasterCard response
(MMDDHHMMSS).
50-556MasterCard ICAThis field contains the MasterCard
ICA field provided by the
acquirer.
56-8429Diners Club / DiscoverThis field contains the Diners
Network InformationClub / Discover clearing reference
information.
85-13046Diners Club / DiscoverThis field contains the Diners
Transaction QualifierClub / Discover Transaction
Qualifier information. Note: Space is
filled for credits.
131-14515Gateway TransactionThis field contains a transaction
Identifieridentifier assigned by the gateway
network.
146-1494MasterCard Merchant AdvisoryThis field contains a Merchant
CodeAdvisory Code received from
MasterCard.
1501MasterCard UCAF CollectionThis field indicates that
IndicatorMasterCard Universal Cardholder
Authentication Field (UCAF) data
is included in the message.

TCR 5 — The table below shows the layout of the Capture TC 33, TCR 5 record.

Field
PositionLengthContentsComments
1-22Transaction codeThis field is a numeric
value indicating the transaction
code. For example, for TC33
the value is “33”.
31Transaction Code QualifierThis field is a numeric
value indicating the transaction
code qualifier.
41Transaction ComponentThis field is a numeric
Sequence Numbervalue indicating the type of data
contained in the record.
5-1915Transaction IdentifierThis field contains a unique value
assigned by PPN to each
transaction and credit presented
in authorization by the acquirer
response.
20-3112Authorized AmountThis field contains an amount
originally authorized by the issuer
(formatted according to the currency
exponent).
32-343Authorization Currency CodeThis field contains a currency
code (ISO numeric code)
for the authorized source amount.
35-362Authorization ResponseThis field contains the
Codeauthorization code provided by the
issuer.
37-404Validation CodeThis field contains a unique value
assigned by PPN to each
authorization response.
411Market-SpecificThis field contains a code
Authorization Data Indicatorindicating for which market
specific authorization data
was included in the transaction.
42-5312Total Authorized AmountThis field contains the total
transaction amount
including taxes and miscellaneous
charges, less reversals.
54-6714Merchant TelephoneThis field contains the merchant or
Numbercustomer service telephone
number.
68-692Electronic Commerce GoodsThis field indicates the type of
Indicatorgoods purchased over the
Internet.
70-7910Merchant Verification ValueThis field contains a Merchant
Verification Value.
80-812Product IdentifierThis field contains a product
identifier code.
82-876Program IdentifierThis field contains a program
identifier.
881CVV2 Result CodeThis field contains the Card
Verification Value 2 (CVV2)
verification result.

TCR 6 — The table below shows the layout of the Capture TC 33, TCR 6 record.

Field
PositionLengthContentsComments
1-22Transaction codeThis field is a numeric
value indicating the transaction
code. For example, for TC33
the value is “33”.
31Transaction codeThis field is a numeric
Qualifiervalue indicating the transaction
code qualifier.
41TransactionThis field is a numeric
Componentvalue indicating the type of data
Sequence Numbercontained in the record.
5-1612Local TaxThis field indicates the
transaction amount including state or
provincial tax
(formatted according to the currency
exponent).
171Local TaxThis field indicates whether local tax
Includedis included or not.
18-2912National TaxThis field indicates the
transaction amount including National
Tax (formatted
according to the currency exponent).
301National TaxThis field indicates whether national tax
Includedis included or not.
31-344Purchase TimeThis field indicates the time
the purchase was made (HHMM)
according to Greenwich Mean Time
(GMT).
35-5117Customer Code/This field contains a reference
Customernumber or code identifying the
Referencecustomer or consumer.
Identifier (CRI)
52-6514MerchantThis field contains the postal code
Postal Codeused to determine the merchant location for
commercial card transactions.
66-7813MerchantThis field contains a merchant
URL / e-mailURL / e-mail
79-13860MerchantThis field contains a merchant
Street AddressStreet Address
139-15012Tip AmountThis field contains the tip amount.

TCR 7 — The table below shows the layout of the Capture TC 33, TCR 7 record.

Field
PositionLengthContentsComments
1-22Transaction codeThis field is a numeric
value indicating the transaction
code. For example, for TC33
the value is “33”.
31Transaction codeThis field is a numeric
Qualifiervalue indicating the transaction
code qualifier.
41TransactionThis field is a numeric
Componentvalue indicating the type of data
Sequence Numbercontained in the record.
5-2420Ship ToThis field contains a postal code
Codeof the location to which goods were shipped.
25-8460Bill To Last NameThis field contains the Bill To Last
Name.
85-14460Bill To First NameThis field contains the Bill To First
Name.
145-15511Bill To PostalThis field contains the Bill To
CodePostal Code

TCR 8 — The table below shows the layout of the Capture TC 33, TCR 8 record.

Field
PositionLengthContentsComments
1-22Transaction codeThis field is a numeric
value indicating the transaction
code. For example, for TC33
the value is “33”.
31Transaction codeThis field is a numeric
Qualifiervalue indicating the transaction
code qualifier.
41TransactionThis field is a numeric
Componentvalue indicating the type of data
Sequence Numbercontained in the record.
5-73Ship To CountryThis field contains the Ship To Country
CodeCode
8-4740Address Line 1This field contains Address Line 1.
48-8740Address Line 2This field contains Address Line 2.
88-13750Bill To CityThis field contains the Bill To City.
138-15720Bill To StateThis field contains the Bill To State.
158-1603Bill To CountryThis field contains the Bill To
CodeCountry Code.

Acknowledgment TC 33 Record Formats

The tables below contain the TCR record layouts for TC 33 Acknowledgment Records, as follows:

  • TCR 0 – Acknowledgment Record Data
  • TCR 1 — Acknowledgment Record Data, Additional Information

TCR 0 — The table below shows the layout of the Acknowledgment TC 33, TCR 0 record.

Field
PositionLengthContentsComments
1-22Transaction codeThis field is a numeric
value indicating the transaction
code. For example, for TC33
the value is “33”.
31Transaction codeThis field is a numeric
Qualifiervalue indicating the transaction
code qualifier.
41TransactionThis field is a numeric
Componentvalue indicating the type of data
Sequence Numbercontained in the record.
5-106Destination BIN468599
11-166Source BINThis field contains a submitting
acquirer BIN.
17-237Report IdentifierThis field identifies the report (e.g.,
VISAACK).
24-329Error CountThis field contains the count of erroneous
Transactionstransactions within the file.
33-4412Total ErrorThis field contains the hash total
Transactionsof error transaction amounts
Amountwithin the file.
45-528CaptureThis field contains the date the
Creation Datecapture file was created.
Note: This is the same value as the
Capture File TCR 1 record.
53-564Capture FileThis field contains the file number
Numberassigned by PPN. Used
to reconcile the Capture file.
Note: This is the same value as the
Capture File TCR 1 record.
57-604File StatusThis field indicates a file status
response code.response code.
61-644Record StatusThis field indicates a record status
response code.response code.
65-9026PPN RequestThis field indicates a PPN
Record IdentifierRequest Record Identifier for a record in
error.
91-988Terminal IdentifierThis field indicates a Terminal Identifier
for the transaction record with
the level error.
99-11315Card Acceptor IdentifierThis field indicates a Card
Acceptor Identifier for the transaction
with the record-level error.
114-13825PurchaseThis field indicates a Purchase Transaction
IdentifierIdentifier for the transaction with
the record-level error.
139-15315Transaction IdentifierThis field indicates a Transaction
Identifier for the record with
the level error.

TCR 1 — The table below shows the layout of the Acknowledgment TC 33, TCR 1 record.

Field
PositionLengthContentsComments
1-22Transaction codeThis field is a numeric
value indicating the transaction
code. For example, for TC33
the value is “33”.
31Transaction codeThis field is a numeric
Qualifiervalue indicating the transaction
code qualifier.
41TransactionThis field is a numeric
Componentvalue indicating the type of data
Sequence Numbercontained in the record.
25-3026AcquirerThis field contains an acquirer-
Identifier ora unique tracking value assigned or
Transaction IdentifierTransaction Identifier
31-130100MiscellaneousThis field is a
Message.miscellaneous message. For
example: “unable to process
message due to bad merchant
address and missing BIN.”