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Mastercard SAFE fraud reporting illustration

Credit Card

What Is SAFE (System to Avoid Fraud Effectively)?

SAFE, short for System to Avoid Fraud Effectively, refers to fraud records created by issuing banks. Fraud records sent in the Mastercard clearing format fall under the SAFE category.

Table of Documentation Indicator codes used in second presentment and reversal presentment clearing messages

Clearing

What Is the Documentation Indicator?

The Documentation Indicator is a code carried in the F60 (Additional Data) DE05 field of clearing transactions. Used in second presentment and reversal presentment transactions, it shows whether the supporting document has been sent. This post lists the values and their meanings.

Diagram illustrating ATM cash overage and cash shortage reconciliation

ATM

What are Cash Overage and Cash Shortage?

Cash overage and cash shortage are terms used in any system that operates with a cash account. A cash overage means more money is physically present than the ledger indicates; a cash shortage means less. In payment systems, these terms are most often used for ATMs.

Diagram of the EMV Card Block command process

EMV

What is the Card Block command?

The Card Block command is used after card issuance to deactivate all applications within the ICC, including applications that could be selected indirectly. The components of the command are explained below.

Flowchart showing the chargeback dispute process between cardholder, issuer, and merchant

Chargeback

What is a chargeback?

A chargeback is the process of refunding an amount back to a credit card when goods or services paid for are not received, or when transactions not carried out by the cardholder are identified. It is translated into Turkish as reverse presentment.

Diagram showing an authorized card transaction that expires before reaching the clearing file

Credit Card

What does it mean for a card transaction to expire?

Due to how payment systems work, authorization is obtained for a transaction first. For a Not Onus transaction (different card and POS banks), the system waits for it to arrive via the clearing incoming file. If it does not arrive within about a week, the transaction expires.

Table describing the subfields of ISO 8583 field 60, the advice reason code

ISO 8583

ISO 8583 Field Descriptions (F60)

F60-ADVICE REASON CODE: Used to indicate the specific purpose of an advice/reversal message. It is 60 characters long.

ISO 8583 field 13 local transaction date

ISO 8583

ISO 8583 Field Descriptions (F13)

DE 13 — Date, Local Transaction: the date on which the transaction took place at the point of transaction (ATM, POS). It is 4 digits in MMDD format.

Diagram explaining ISO 8583 field 11 (STAN)

ISO 8583

ISO 8583 Field Descriptions (F11)

DE 11 - SYSTEMS TRACE AUDIT NUMBER: A 6-digit unique numeric value generated by the message originator, enabling unique tracking of the transaction. How is STAN generated?

Diagram illustrating the ISO 8583 F39 response code field

ISO 8583

ISO 8583 Field Descriptions (F39)

F39 - RESPONSE CODE: This is the code showing whether the transaction was approved or declined. It is 2-digit alphanumeric. Typically 00 is sent when approved, and a decline reason code is sent when declined.

Diagram of the Chargeback Document Management System (CDYS) process flow

Credit Card

What is the Chargeback Document Management System (CDYS)?

The Chargeback Document Management System (CDYS) is a system developed by BKM to resolve customer disputes over card payment transactions among BKM members, covering Copy Request, Chargeback, Representment, and related processes.