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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.
ISO 8583
F7 - TRANSMISSION DATE AND TIME: the field containing the moment the initiating party started the transaction. It is a 10-character numeric value in MMDDhhmmss format.
Merchant & POS
E-Commerce can briefly be described as the sale and purchase of products over the internet, a term used since 1969. Virtual POS operates behind e-commerce transactions, which take place at different levels: Non 3D, Half 3D, and Full 3D Secure.
Payment Systems
A Half 3D Secure transaction is, in short, the term used when the merchant supports 3D Secure but the card does not. Can such transactions occur as 3D Secure/Half Secure when the merchant does not support 3D Secure? A transaction started without the 3D process is treated as Non-Secure.
3D Secure
Especially with the growth of the internet, credit card transactions have started shifting from physical POS terminals to virtual POS terminals. In virtual transactions, the 3D Secure structure is used instead of the card PIN entered in physical transactions. So how is a transaction's…
ISO 8583
The card's Track 2 data is carried in this field. Track 2 data contains information such as the card number, expiry date and service code.
Credit Card
A 2-character field written to the card's chip data that increases by 1 with each card renewal, allowing authorization to distinguish between the old and new card. This means that, theoretically, assuming no other conditions prevent it, a...
Merchant & POS
CAT (Cardholder Activated Terminal) devices are typically unattended terminals that accept various payment cards. These terminals are frequently installed at railway ticket stations, gas stations, toll roads, parking lots, and other commercial locations.
ISO 8583
DE 52 — Personal Identification Number (PIN) Data: the field that holds the PIN data. PIN verification is carried out based on this field.
Payment Systems
Every payment transaction completes in seconds, yet dozens of controls run behind the scenes. This post covers the precautions for authorization and clearing, the critical role of reversals, and the financial loss scenarios most often seen in the field.
HSM & Security
TAK stands for Terminal Authentication Key. It is the data encryption key used to generate and verify a Message Authentication Code (MAC) for data communication between a terminal and the acquirer within a local network.
ISO 8583
DE 95, Replacement Amounts, shows the transaction amount information in full or partial reversals. Here are its subfields and how it relates to F4.