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Online & Authorization
A reference guide to authorization response codes seen on POS and ATM transactions, with plain-language explanations of what each code means and what to do about it.
ISO 8583
F124 (Private Additional Data) contains additional information specific to the transaction, such as Card Update Failure Code and Status, cardholder name in money transfers, and keys in network management messages.
Credit Card
Although card usage today is shifting from physical use toward virtual use, physical card production, personalization, and printing remain vital steps in card manufacturing. Here are the companies that produce and personalize cards in Turkey.
ISO 8583
F19 — Acquiring Institution Country Code: the country to which the location of the acquiring bank's device (ATM, POS, etc.) belongs.
ISO 8583
F47-ADDITIONAL DATA (NATIONAL) is the field reserved for domestic additional information. In Turkey, it carries the BKM Unique ID in authorization transactions and data specific to KKPT (card-to-card transfer) transactions.
Merchant & POS
The System Trace Audit Number (STAN) is a number assigned by the third-party system (ATM or POS) to help uniquely identify a transaction. It is generated in the range 000001 to 999999. Each new authorization message needs a new STAN; retries reuse the original STAN.
Merchant & POS
Response codes returned on payment transactions are critical for managing next steps. Curious which error codes trigger card capture? Under ISO 8583, codes 04, 07, 33, 34, 36, 38, 41 and 43 all result in the card being captured.
Clearing
The Domestic Clearing and Settlement System (YTH) settles and clears transactions between two banks when a card from one bank is used at another bank's POS or ATM. Participants submit records that are cleared daily and multilaterally netted and reconciled.
EMV
BIC stands for Bank Identifier Code. It is the universal bank identification code used for automated processing in banking and related financial environments, identifying banks as specified by the ISO 9362 standard.
Merchant & POS
The MCC code, or Merchant Category Code, is a 4-digit code used to classify merchants. Some MCC codes are restricted or prohibited, and POS terminals or card transactions may be blocked when such a code is used.
Merchant & POS
Since the MCC code is a merchant's category code, it's critical for the checks performed during merchant onboarding and authorization, including campaigns and restrictions.
Merchant & POS
Mail order is carried out by conveying credit card details to the merchant by phone or mail. A manual sale occurs when, due to a physical problem during checkout, the card details are entered into the POS device by hand instead.