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"Message Fields"

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Diagram of the ISO 8583 field F45 Track 1 data structure

ISO 8583

ISO 8583 Field Descriptions (F45)

F45 (TRACK-1 DAT) carries the Track 1 data of the card in ISO 7813 format, including field separators and start and end sentinels but excluding the LRC character. It is 76 characters long.

Diagram explaining the MCC merchant category code field in ISO 8583 messages

ISO 8583

ISO 8583 Field Descriptions (F18)

F18-MERCHANT TYPE: This is the merchant's category code (MCC) information. It must contain values from the Mastercard or Visa MCC Code list. It is a 4-digit numeric value. For ATM transactions, MCC code 6011 should be sent. The role of MCC in authorization...

Illustration of ISO 8583 message format

ISO 8583

ISO 8583 Field Descriptions (F35)

F35 TRACK-2 DATA: The values printed to the card's Track 2 data in ISO 7813 format, including field separators and start/end sentinels, but excluding LRC (Longitudinal Redundancy Check) characters. It is 37 characters long.

Payment card being checked against a card recovery bulletin of problem cards

Merchant & POS

What Is a Card Recovery Bulletin (Card Protection Bulletin)?

A Card Recovery Bulletin is a list of problem cards (lost, stolen, expired, over-limit, counterfeit or otherwise flagged) published by card schemes such as Visa or MasterCard. It shows whether a card number is listed on the date of purchase.

Illustration of a Zone PIN Key (ZPK) protecting PIN data in a payment network

HSM & Security

What is ZPK (Zone PIN Key)?

ZPK, also known as the PIN Protection Key, is a data encryption key that is distributed automatically and used to encrypt PINs. It is also referred to as the 'Working Key'. This key allows PIN information to be carried securely across the network.