Diagram illustrating the TLV (Tag-Length-Value) data structure

TLV is a data storage method used to make the fast parsing of data easier.

For example, in a transaction initiated from a POS, the use of the TLV structure to read data from the card's chip and to carry that data throughout the authorization process is one such example.

The phrase Tag-Length-Value is commonly abbreviated as TLV.

Tag : What type of data this is (e.g. Application Label, Application Identifier)
Length : The length of the data
Value : The content of the data

For example, below is an example of Field 55 in an ISO-8583 message. The tag-based parsed version is shown underneath:

01495F2A0201245F34010182021C008407A0000000031010950580000000009A031102249B026 8009C01009F02060000000000009F03060000000000009F0607A00000000310109F0802008C9F0 902008C9F100706010A039000009F1A0201249F2608423158936ED6C38F9F2701809F3303E0B0 C89F34034103029F3501229F360200019F3704ACAC66E89F5800DF0100DF0200DF0400

5F2A Transaction Currency Code124
5F34 Application Primary Account Number (PAN) Sequence Number1
82 Application Interchange Profile1C00
84 Dedicated File (DF) NameA0000000031010
95 Terminal Verification Results8000000000
9A Transaction Date110224
9B Transaction Status Information6800
9C Transaction Type0
9F02 Amount, Authorised (Numeric)0
9F03 Amount, Other (Numeric)0
9F06 Application Identifier (AID) – terminalA0000000031010
9F08 Application Version Number008C
9F09 Application Version Number008C
9F10 Issuer Application Data06010A03900000
9F1A Terminal Country Code124
9F26 Application Cryptogram423158936ED6C38F
9F27 Cryptogram Information Data80
9F33 Terminal CapabilitiesE0B0C8
9F34 Cardholder Verification Method (CVM) Results410302
9F35 Terminal Type22
9F36 Application Transaction Counter (ATC)1
9F37 Unpredictable NumberACAC66E8
9F58 Unknown tag.
DF01 Unknown tag.
DF02 Unknown tag.
DF04 Unknown tag.