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"Reason Codes"

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Table listing sample Merchant Category Codes (MCC) and their descriptions

Merchant & POS

What Is an MCC (Merchant Category Code)?

MCC stands for Merchant Category Code: a 4-digit code used to classify merchants by business type. Codes differ slightly between Mastercard, Visa, and BKM.

Table of merchant sectors where offline transactions are restricted

Merchant & POS

In Which Sectors Can Offline Transactions Not Be Performed?

An offline transaction is one approved by the card and the POS themselves, without going to any system (the card's bank or the POS's bank), when a chip card transaction is made at a POS. For this reason, some sectors considered risky are restricted.

Diagram showing the CAT (Cardholder Activated Terminal) Indicator field used in payment authorization messages

Merchant & POS

What is the CAT (Cardholder Activated Terminal) Indicator?

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.

Table of ISO 8583 amount and currency field values for a sample transaction

ISO 8583

ISO 8583 Field Descriptions (F4, F5, F6, F49, F50, F51)

Fields F4, F5, F6, F49, F50, and F51 are the Amount and Currency fields sent in the authorization message. For example, for a 300 Euro transaction, the amount and currency information sent in these fields is as follows.

Illustration of a card payment approved for a partial amount

Merchant & POS

What Is Partial Authorization?

Partial Authorization lets an issuer approve part of a transaction instead of declining it when the balance or limit is insufficient. This post covers how it works in ISO 8583, whether it is mandatory, and why it matters for the business.

Illustration of data leakage channels and risks leading to fraud

Fraud

What are data leakage frauds?

Data leakage is the intentional or accidental exposure of sensitive data through any channel where it is stored, processed or transmitted. This post covers its three main causes and the DLP solutions used to prevent it.

Credit card and smartphone illustrating online card payments without physically presenting the card

Credit Card

Do I have to use my physical card when shopping?

In the early years of credit cards, using the card physically was mandatory. With the internet and new technologies, we can now pay with only the card details, 3D Secure and contactless NFC payments, even without the card in hand.

Table listing ISO 8583 Field 25 (POS Condition Code) values

ISO 8583

ISO 8583 Field Descriptions (F25)

F25 - POINT OF SERVICE (POS) CONDITION CODE is the field that defines the condition under which a POS transaction was performed. Possible values include 00 Normal presentment, 01 Customer not present, 02 Unattended terminal, and more.

Ingenico POS terminal illustrating POS brand and model

Merchant & POS

What does POS brand and model mean?

Just like a car, a POS device has a brand and a model, for example Ingenico ICT220 or Ingenico ICT250. Each model differs from the others: some have a contactless reader while others may not, and screens, memory and features vary.

Diagram of a partial authorization where an issuer approves only part of the requested amount

Merchant & POS

What Are the Partial Authorization Requirements for an Acquirer Bank?

Partial authorization lets an issuer approve part of the requested amount when the card lacks the full balance, with the rest paid another way. This post covers the technical, receipt, clearing, reconciliation, merchant and certification requirements for acquirers.