9. Annexure

Annexure 1: Merchant Category Code (MCC)

S. N.	MCC Code	Description
1	3533	HOTEL IBIS
2	4121	Taxi/ Cab
3	4131	Bus Line
4	4215	COURIER Services
5	4225	Storage / Warehousing
6	4457	Boat Rentals
7	4511	Airlines and Air carriers
8	4582	Airport and Airport terminals
9	4722	Agencies and Tour Operators
10	4784	Tolls and Bridge Fee
11	4789	Transportation Service Not classified
12	4814	Telecommunication Service
13	4816	Computer service or Information service
14	4829	Wire transfers and money orders
15	4899	Cable and other Television service
16	4900	Electricity Water Gas and Sanitary
17	5013	Motor vehicle supplies and new parts
18	5021	Office and commercial furniture
19	5044	Office Photography, Photocopy and Microfilm equipment
20	5045	Computers computer peripheral equipment
21	5047	Medical/hospital equipment and supplies
22	5065	Electrical parts and equipment
23	5094	Precious stones and metals watches and jewelry
24	5099	Durable goods not elsewhere classified
25	5111	Stationery office supplies and printing & writing paper
26	5192	Books, Periodicals and newspaper
27	5198	Paints vanishes and supplies
28	5251	Hardware Shops
29	5261	Lawn and garden supplies outlets, including nurseries
30	5309	Duty-free shops
31	5311	Department stores
32	5331	Variety Store
33	5411	Groceries and supermarkets
34	5422	Meat Provisioners Freezer and Locker
35	5441	Candy nut and confectionery shops
36	5451	Dairies
37	5462	Bakeries
38	5499	Miscellaneous food shops, Convenience and specialty retail outlets
39	5511	Cars and Truck Dealers (New and Used) Sales, Service, Repairs, Parts, and leasing
40	5541	Service stations
41	5571	Motorcycle shops and dealers
42	5611	Men’s and boys clothing and accessory shops
43	5621	Women’s ready to wear shops
44	5631	Women’s accessories and specialty shops
45	5641	Children and Infants wear shops
46	5651	Family clothing shops
47	5655	Sports adventure and riding gear shops
48	5661	Shoe shops
49	5691	Men’s and Women’s clothing shops
50	5697	Tailors seamstresses mending and alterations
51	5699	Miscellaneous apparel and accessories shops
52	5712	Furniture home furnishings and equipment shops and manufactures.
53	5713	Floor covering services
54	5714	Drapery window covering and upholstery shops
55	5715	Alcoholic beverage wholesalers.
56	5719	Miscellaneous home furnishings and specialty stores
57	5722	Household appliance shops
58	5732	Electronic sales
59	5733	Music shops, Musical instruments, pianos and sheet music
60	5734	Computer software outlets
61	5811	Caterers
62	5812	Eating places and Restaurants
63	5813	Drinking places [alcoholic beverages Bars, taverns night-clubs, cocktail lounges and discotheques
64	5814	Fast food restaurants
65	5912	Drug stores and pharmacy
66	5921	Beer wine and liquor store
67	5932	Public Golf Courses
68	5940	Bicycle shops, Sales and services
69	5944	Jewelry Stores, watches, clocks and Silverware Stores
70	5946	Camera and photographic supply shops
71	5947	Gift card novelty and souvenir shops
72	5948	Luggage and leather goods shops
73	5950	Glassware and crystal shops
74	5970	Artist's Supply and Craft Shops
75	5971	Art Dealers and galleries
76	5973	Religious Goods and Shops
77	5977	Cosmetic shops
78	5983	Fuel Dealers:Fuel, oil, wood coal and liquefied petroleum
79	5995	Pet Shops pet Food and Supplies
80	6011	ATM
81	6012	Micro ATM
82	6051	Non-FI-Foreign Currency, Money Orders (Not wire transfer), script and Travelers checks
83	6211	Securities Brokers and Dealers
84	6300	Insurance Sales underwriting and premiums
85	7011	Lodging Hotels Motels and Reports
86	7032	Sporting and Recreational Camps
87	7216	Dry Cleaners
88	7230	Beauty and Barber Shops
89	7291	Massage Parlors
90	7298	Health and Beauty Spas
91	7299	Miscellaneous Personal Services not elsewhere classified
92	7512	Automobile Rentals
93	7523	Parking Lots and Garages
94	7541	Car washes
95	7623	Air conditioning and refrigeration Repair Shops
96	7629	Electrical and Small Appliance Repair Shops
97	7631	Watch Clock and Jewelry Repair Shops
98	7632	Motion Picture Theaters
99	7632	Billiard and Pool Establishments
100	7641	Furniture Reupholster Repair and Refinishing
101	7929	Bands orchestras and Miscellaneous Entertainers

Table 55: MCC Code

Annexure 2: Country Code and Currency Code

S. N.	Country	Currency	Alphabetic Code	Numeric Code	Minor Unit
1	AFGHANISTAN	Afghani	AFN	971	2
2	ÅLAND ISLANDS	Euro	EUR	978	2
3	ALBANIA	Lek	ALL	008	2
4	ALGERIA	Algerian Dinar	DZD	012	2
5	AMERICAN SAMOA	US Dollar	USD	840	2
6	ANDORRA	Euro	EUR	978	2
7	ANGOLA	Kwanza	AOA	973	2
8	ANGUILLA	East Caribbean Dollar	XCD	951	2
9	ANTARCTICA	No universal currency
10	ANTIGUA AND BARBUDA	East Caribbean Dollar	XCD	951	2
11	ARGENTINA	Argentine Peso	ARS	032	2
12	ARMENIA	Armenian Dram	AMD	051	2
13	ARUBA	Aruban Florin	AWG	533	2
14	AUSTRALIA	Australian Dollar	AUD	036	2
15	AUSTRIA	Euro	EUR	978	2
16	AZERBAIJAN	Azerbaijan Manat	AZN	944	2
17	BAHAMAS (THE)	Bahamian Dollar	BSD	044	2
18	BAHRAIN	Bahraini Dinar	BHD	048	3
19	BANGLADESH	Taka	BDT	050	2
20	BARBADOS	Barbados Dollar	BBD	052	2
21	BELARUS	Belarusian Ruble	BYN	933	2
22	BELGIUM	Euro	EUR	978	2
23	BELIZE	Belize Dollar	BZD	084	2
24	BENIN	CFA Franc BCEAO	XOF	952	0
25	BERMUDA	Bermudian Dollar	BMD	060	2
26	BHUTAN	Indian Rupee	INR	356	2
27	BHUTAN	Ngultrum	BTN	064	2
28	BOLIVIA (PLURINATIONAL STATE OF)	Boliviano	BOB	068	2
29	BOLIVIA (PLURINATIONAL STATE OF)	Mvdol	BOV	984	2
30	BONAIRE, SINT EUSTATIUS AND SABA	US Dollar	USD	840	2
31	BOSNIA AND HERZEGOVINA	Convertible Mark	BAM	977	2
32	BOTSWANA	Pula	BWP	072	2
33	BOUVET ISLAND	Norwegian Krone	NOK	578	2
34	BRAZIL	Brazilian Real	BRL	986	2
35	BRITISH INDIAN OCEAN TERRITORY (THE)	US Dollar	USD	840	2
36	BRUNEI DARUSSALAM	Brunei Dollar	BND	096	2
37	BULGARIA	Bulgarian Lev	BGN	975	2
38	BURKINA FASO	CFA Franc BCEAO	XOF	952	0	39
39	BURUNDI	Burundi Franc	BIF	108	0
40	CABO VERDE	Cabo Verde Escudo	CVE	132	2
41	CAMBODIA	Riel	KHR	116	2
42	CAMEROON	CFA Franc BEAC	XAF	950	0
43	CANADA	Canadian Dollar	CAD	124	2
44	CAYMAN ISLANDS (THE)	Cayman Islands Dollar	KYD	136	2
45	CENTRAL AFRICAN REPUBLIC (THE)	CFA Franc BEAC	XAF	950	0
46	CHAD	CFA Franc BEAC	XAF	950	0
47	CHILE	Chilean Peso	CLP	152	0
48	CHILE	Unidad de Fomento	CLF	990	4
49	CHINA	Yuan Renminbi	CNY	156	2
50	CHRISTMAS ISLAND	Australian Dollar	AUD	036	2
51	COCOS (KEELING) ISLANDS (THE)	Australian Dollar	AUD	036	2
52	COLOMBIA	Colombian Peso	COP	170	2
53	COLOMBIA	Unidad de Valor Real	COU	970	2
54	COMOROS (THE)	Comorian Franc	KMF	174	0
55	CONGO (THE DEMOCRATIC REPUBLIC OF THE)	Congolese Franc	CDF	976	2
56	CONGO (THE)	CFA Franc BEAC	XAF	950	0
57	COOK ISLANDS (THE)	New Zealand Dollar	NZD	554	2
58	COSTA RICA	Costa Rican Colon	CRC	188	2
59	CÔTE D'IVOIRE	CFA Franc BCEAO	XOF	952	0
60	CROATIA	Kuna	HRK	191	2
61	CUBA	Cuban Peso	CUP	192	2
62	CUBA	Peso Convertible	CUC	931	2
63	CURAÇAO	Netherlands Antillean Guilder	ANG	532	2
64	CYPRUS	Euro	EUR	978	2
65	CZECHIA	Czech Koruna	CZK	203	2
66	DENMARK	Danish Krone	DKK	208	2
67	DJIBOUTI	Djibouti Franc	DJF	262	0
68	DOMINICA	East Caribbean Dollar	XCD	951	2
69	DOMINICAN REPUBLIC (THE)	Dominican Peso	DOP	214	2
70	ECUADOR	US Dollar	USD	840	2
71	EGYPT	Egyptian Pound	EGP	818	2
72	EL SALVADOR	El Salvador Colon	SVC	222	2
73	EL SALVADOR	US Dollar	USD	840	2
74	EQUATORIAL GUINEA	CFA Franc BEAC	XAF	950	0
75	ERITREA	Nakfa	ERN	232	2
76	ESTONIA	Euro	EUR	978	2
77	ESWATINI	Lilangeni	SZL	748	2
78	ETHIOPIA	Ethiopian Birr	ETB	230	2
79	EUROPEAN UNION	Euro	EUR	978	2
80	FALKLAND ISLANDS (THE) [MALVINAS]	Falkland Islands Pound	FKP	238	2
81	FAROE ISLANDS (THE)	Danish Krone	DKK	208	2
82	FIJI	Fiji Dollar	FJD	242	2
83	FINLAND	Euro	EUR	978	2
84	FRANCE	Euro	EUR	978	2
85	FRENCH GUIANA	Euro	EUR	978	2
86	FRENCH POLYNESIA	CFP Franc	XPF	953	0
87	FRENCH SOUTHERN TERRITORIES (THE)	Euro	EUR	978	2
88	GABON	CFA Franc BEAC	XAF	950	0
89	GAMBIA (THE)	Dalasi	GMD	270	2
90	GEORGIA	Lari	GEL	981	2
91	GERMANY	Euro	EUR	978	2
92	GHANA	Ghana Cedi	GHS	936	2
93	GIBRALTAR	Gibraltar Pound	GIP	292	2
94	GREECE	Euro	EUR	978	2
95	GREENLAND	Danish Krone	DKK	208	2
96	GRENADA	East Caribbean Dollar	XCD	951	2
97	GUADELOUPE	Euro	EUR	978	2
98	GUAM	US Dollar	USD	840	2
99	GUATEMALA	Quetzal	GTQ	320	2
100	GUERNSEY	Pound Sterling	GBP	826	2
101	GUINEA	Guinean Franc	GNF	324	0
102	GUINEA-BISSAU	CFA Franc BCEAO	XOF	952	0
103	GUYANA	Guyana Dollar	GYD	328	2
104	HAITI	Gourde	HTG	332	2
105	HAITI	US Dollar	USD	840	2
106	HEARD ISLAND AND McDONALD ISLANDS	Australian Dollar	AUD	036	2
107	HOLY SEE (THE)	Euro	EUR	978	2
108	HONDURAS	Lempira	HNL	340	2
109	HONG KONG	Hong Kong Dollar	HKD	344	2
110	HUNGARY	Forint	HUF	348	2
111	ICELAND	Iceland Krona	ISK	352	0
112	INDIA	Indian Rupee	INR	356	2
113	INDONESIA	Rupiah	IDR	360	2
114	INTERNATIONAL MONETARY FUND (IMF)	SDR (Special Drawing Right)	XDR	960	N.A.
115	IRAN (ISLAMIC REPUBLIC OF)	Iranian Rial	IRR	364	2
116	IRAQ	Iraqi Dinar	IQD	368	3
117	IRELAND	Euro	EUR	978	2
118	ISLE OF MAN	Pound Sterling	GBP	826	2
119	ISRAEL	New Israeli Sheqel	ILS	376	2
120	ITALY	Euro	EUR	978	2
121	JAMAICA	Jamaican Dollar	JMD	388	2
122	JAPAN	Yen	JPY	392	0
123	JERSEY	Pound Sterling	GBP	826	2
124	JORDAN	Jordanian Dinar	JOD	400	3
125	KAZAKHSTAN	Tenge	KZT	398	2
126	KENYA	Kenyan Shilling	KES	404	2
127	KIRIBATI	Australian Dollar	AUD	036	2
128	KOREA (THE DEMOCRATIC PEOPLE’S REPUBLIC OF)	North Korean Won	KPW	408	2
129	KOREA (THE REPUBLIC OF)	Won	KRW	410	0
130	KUWAIT	Kuwaiti Dinar	KWD	414	3
131	KYRGYZSTAN	Som	KGS	417	2
132	LAO PEOPLE’S DEMOCRATIC REPUBLIC (THE)	Lao Kip	LAK	418	2
133	LATVIA	Euro	EUR	978	2
134	LEBANON	Lebanese Pound	LBP	422	2
135	LESOTHO	Loti	LSL	426	2
136	LESOTHO	Rand	ZAR	710	2
137	LIBERIA	Liberian Dollar	LRD	430	2
138	LIBYA	Libyan Dinar	LYD	434	3
139	LIECHTENSTEIN	Swiss Franc	CHF	756	2
140	LITHUANIA	Euro	EUR	978	2
141	LUXEMBOURG	Euro	EUR	978	2
142	MACAO	Pataca	MOP	446	2
143	NORTH MACEDONIA	Denar	MKD	807	2
144	MADAGASCAR	Malagasy Ariary	MGA	969	2
145	MALAWI	Malawi Kwacha	MWK	454	2
146	MALAYSIA	Malaysian Ringgit	MYR	458	2
147	MALDIVES	Rufiyaa	MVR	462	2
148	MALI	CFA Franc BCEAO	XOF	952	0
149	MALTA	Euro	EUR	978	2
150	MARSHALL ISLANDS (THE)	US Dollar	USD	840	2
151	MARTINIQUE	Euro	EUR	978	2
152	MAURITANIA	Ouguiya	MRU	929	2
153	MAURITIUS	Mauritius Rupee	MUR	480	2
154	MAYOTTE	Euro	EUR	978	2
155	MEMBER COUNTRIES OF THE AFRICAN DEVELOPMENT BANK GROUP	ADB Unit of Account	XUA	965	N.A.
156	MEXICO	Mexican Peso	MXN	484	2
157	MEXICO	Mexican Unidad de Inversion (UDI)	MXV	979	2
158	MICRONESIA (FEDERATED STATES OF)	US Dollar	USD	840	2
159	MOLDOVA (THE REPUBLIC OF)	Moldovan Leu	MDL	498	2
160	MONACO	Euro	EUR	978	2
161	MONGOLIA	Tugrik	MNT	496	2
162	MONTENEGRO	Euro	EUR	978	2
163	MONTSERRAT	East Caribbean Dollar	XCD	951	2
164	MOROCCO	Moroccan Dirham	MAD	504	2
165	MOZAMBIQUE	Mozambique Metical	MZN	943	2
166	MYANMAR	Kyat	MMK	104	2
167	NAMIBIA	Namibia Dollar	NAD	516	2
168	NAMIBIA	Rand	ZAR	710	2
169	NAURU	Australian Dollar	AUD	036	2
170	NEPAL	Nepalese Rupee	NPR	524	2
171	NETHERLANDS (THE)	Euro	EUR	978	2
172	NEW CALEDONIA	CFP Franc	XPF	953	0
173	NEW ZEALAND	New Zealand Dollar	NZD	554	2
174	NICARAGUA	Cordoba Oro	NIO	558	2
175	NIGER (THE)	CFA Franc BCEAO	XOF	952	0
176	NIGERIA	Naira	NGN	566	2
177	NIUE	New Zealand Dollar	NZD	554	2
178	NORFOLK ISLAND	Australian Dollar	AUD	036	2
179	NORTHERN MARIANA ISLANDS (THE)	US Dollar	USD	840	2
180	NORWAY	Norwegian Krone	NOK	578	2
181	OMAN	Rial Omani	OMR	512	3
182	PAKISTAN	Pakistan Rupee	PKR	586	2
183	PALAU	US Dollar	USD	840	2
184	PALESTINE, STATE OF	No universal currency
185	PANAMA	Balboa	PAB	590	2
186	PANAMA	US Dollar	USD	840	2
187	PAPUA NEW GUINEA	Kina	PGK	598	2
188	PARAGUAY	Guarani	PYG	600	0
189	PERU	Sol	PEN	604	2
190	PHILIPPINES (THE)	Philippine Peso	PHP	608	2
191	PITCAIRN	New Zealand Dollar	NZD	554	2
192	POLAND	Zloty	PLN	985	2
193	PORTUGAL	Euro	EUR	978	2
194	PUERTO RICO	US Dollar	USD	840	2
195	QATAR	Qatari Rial	QAR	634	2
196	RÉUNION	Euro	EUR	978	2
197	ROMANIA	Romanian Leu	RON	946	2
198	Russian Federation (The)	Russian Ruble	RUB	643	2
199	Rwanda	Rwanda Franc	RWF	646	0
200	Saint Barthélemy	Euro	EUR	978	2
201	Saint Helena, Ascension and Tristan da Cunha	Saint Helena Pound	SHP	654	2
202	Saint Kitts and Nevis	East Caribbean Dollar	XCD	951	2
203	Saint Lucia	East Caribbean Dollar	XCD	951	2
204	Saint Martin (French part)	Euro	EUR	978	2
205	Saint Pierre and Miquelon	Euro	EUR	978	2
206	Saint Vincent and the Grenadines	East Caribbean Dollar	XCD	951	2
207	Samoa	Tala	WST	882	2
208	San Marino	Euro	EUR	978	2
209	Sao Tome and Principe	Dobra	STN	930	2
210	Saudi Arabia	Saudi Riyal	SAR	682	2
211	Senegal	CFA Franc BCEAO	XOF	952	0
212	Serbia	Serbian Dinar	RSD	941	2
213	Seychelles	Seychelles Rupee	SCR	690	2
214	Sierra Leone	Leone	SLL	694	2
215	Singapore	Singapore Dollar	SGD	702	2
216	Sint Maarten (Dutch part)	Netherlands Antillean Guilder	ANG	532	2
217	Sistema Unitario de Compensacion Regional de Pagos "Sucre"	Sucre	XSU	994	N.A.
218	Slovakia	Euro	EUR	978	2
219	Slovenia	Euro	EUR	978	2
220	Solomon Islands	Solomon Islands Dollar	SBD	090	2
221	Somalia	Somali Shilling	SOS	706	2
222	South Africa	Rand	ZAR	710	2
223	South Georgia and the South Sandwich Islands	No universal currency
224	South Sudan	South Sudanese Pound	SSP	728	2
225	Spain	Euro	EUR	978	2
226	Sri Lanka	Sri Lanka Rupee	LKR	144	2
227	Sudan (The)	Sudanese Pound	SDG	938	2
228	Suriname	Surinam Dollar	SRD	968	2
229	Svalbard and Jan Mayen	Norwegian Krone	NOK	578	2
230	Sweden	Swedish Krona	SEK	752	2
231	Switzerland	Swiss Franc	CHF	756	2
232	Switzerland	WIR Euro	CHE	947	2
233	Switzerland	WIR Franc	CHW	948	2
234	Syrian Arab Republic	Syrian Pound	SYP	760	2
235	Taiwan (Province of China)	New Taiwan Dollar	TWD	901	2
236	Tajikistan	Somoni	TJS	972	2
237	Tanzania, United Republic of	Tanzanian Shilling	TZS	834	2
238	Thailand	Baht	THB	764	2
239	Timor-Leste	US Dollar	USD	840	2
240	Togo	CFA Franc BCEAO	XOF	952	0
241	Tokelau	New Zealand Dollar	NZD	554	2
242	Tonga	Pa’anga	TOP	776	2
243	Trinidad and Tobago	Trinidad and Tobago Dollar	TTD	780	2
244	Tunisia	Tunisian Dinar	TND	788	3
245	Turkey	Turkish Lira	TRY	949	2
246	Turkmenistan	Turkmenistan New Manat	TMT	934	2
247	Turks and Caicos Islands (The)	US Dollar	USD	840	2
248	Tuvalu	Australian Dollar	AUD	036	2
249	Uganda	Uganda Shilling	UGX	800	0
250	Ukraine	Hryvnia	UAH	980	2
251	United Arab Emirates (The)	UAE Dirham	AED	784	2
252	United Kingdom of Great Britain and Northern Ireland (The)	Pound Sterling	GBP	826	2
253	United States Minor Outlying Islands (The)	US Dollar	USD	840	2
254	United States of America (The)	US Dollar	USD	840	2
255	United States of America (The)	US Dollar (Next day)	USN	997	2
256	Uruguay	Peso Uruguayo	UYU	858	2
257	Uruguay	Uruguay Peso en Unidades Indexadas (UI)	UYI	940	0
258	Uruguay	Unidad Previsional	UYW	927	4
259	Uzbekistan	Uzbekistan Sum	UZS	860	2
260	Vanuatu	Vatu	VUV	548	0
261	Venezuela (Bolivarian Republic of)	Bolívar Soberano	VES	928	2
262	Venezuela (Bolivarian Republic of)	Bolívar Soberano	VED	926	2
263	Viet Nam	Dong	VND	704	0
264	Virgin Islands (British)	US Dollar	USD	840	2
265	Virgin Islands (U.S.)	US Dollar	USD	840	2
266	Wallis and Futuna	CFP Franc	XPF	953	0
267	Western Sahara	Moroccan Dirham	MAD	504	2
268	Yemen	Yemeni Rial	YER	886	2
269	Zambia	Zambian Kwacha	ZMW	967	2
270	Zimbabwe	Zimbabwe Dollar	ZWL	932	2
271	ZZ01_Bond Markets Unit European_EURCO	Bond Markets Unit European Composite Unit (EURCO)	XBA	955	N.A.
272	ZZ02_Bond Markets Unit European_EMU-6	Bond Markets Unit European Monetary Unit (E.M.U.-6)	XBB	956	N.A.
273	ZZ03_Bond Markets Unit European_EUA-9	Bond Markets Unit European Unit of Account 9 (E.U.A.-9)	XBC	957	N.A.
274	ZZ04_Bond Markets Unit European_EUA-17	Bond Markets Unit European Unit of Account 17 (E.U.A.-17)	XBD	958	N.A.
275	ZZ06_Testing_Code	Codes specifically reserved for testing purposes	XTS	963	N.A.
276	ZZ07_No_Currency	The codes assigned for transactions where no currency is involved	XXX	999	N.A.
277	ZZ08_Gold	Gold	XAU	959	N.A.
278	ZZ09_Palladium	Palladium	XPD	964	N.A.
279	ZZ10_Platinum	Platinum	XPT	962	N.A.
280	ZZ11_Silver	Silver	XAG	961	N.A.

Table 56: List of currency code as per ISO 4217

Annexure 3: Track 1 Encoding Format

The table below lists the Track 1 field names and their length as per ISO 7813. The maximum length of Track 1 is 79 characters.

Field Number	Length	Field Name
1	1	Start Sentinel
2	1	Format Code
3	16-19	Primary Account Number (PAN)
4	1	Separator
5	2 - 26	Cardholder Name
6	1	Separator
7	4	Card Expiration Date
8	3	Service Code
9	3	Card Verification Data 1
10	10	National Identification Number
11	Balance of Available Digits	Discretionary Data
12	1	End Sentinel
13	1	Longitudinal Redundancy Check
Total	79 characters

Table 57: Track 1 Encoding Format

Field 1: Start Sentinel

Field 1: Start Sentinel
Length:	1
Format:	Alphanumeric
Description:	Indicates the initial data position on the track.
Valid Value:	% (Percentage Sign)

Field 2: Format Code

Field 2: Format Code
Length	1
Format	Alphanumeric
Description	Specifies the format for Track 1 encoding.
Valid Value	B

Field 3: Primary Account Number (PAN)

Field 3: Primary Account Number (PAN)
Length	12 - 19
Format	Numeric
Description	A number identifying the card number.
Valid Value	0 to 9

Field 4: Separator

Field 4: Separator
Length	1
Format	Alphanumeric
Description	Indicates the end of a variable length of PAN.
Valid Value	^ (Caret Symbol)

Field 5: Cardholder Name

Field 5: Cardholder Name
Length	2 - 26
Format	Alphanumeric
Description	Cardholder’s Name.
Valid Value	Alphanumeric including Hyphen, Suffix, Surname separator, Title separator, Title (optional)

Field 6: Separator

Field 6: Separator
Length	1
Format	Alphanumeric
Description	Indicates the end of a variable length of Cardholder Name.
Valid Value	^ (Caret Symbol)

Field 7: Card Expiration Date

Field 7: Card Expiration Date
Length	4
Format	Numeric Date (YYMM)
Description	Year and month after which the card can no longer be used.
Valid Value	YY must be 00 to 99; MM must be 01 to 12

Field 8: Service Code

Field 8: Service Code
Length	3
Format	Numeric
Description	A sequence of digits that, taken as a whole, defines various services; and identifies card restrictions.
Valid Value	The value allowed for EMV domestic and International Cards is 226 2 – International Integrated Circuit Card 2 – Positive Authorization Mandatory 6 – Prompt for PIN if PIN pad present

  Service Code can be expressed with the following digit combinations

Digit 1 (most significant): Interchange and technology
Digit	Meaning
0	Reserved for future use by ISO
1	Available for international interchange
2	Available for international interchange and with integrated circuit, which should be used for the financial transaction when feasible
3	Reserved for future use by ISO
4	Reserved for future use by ISO
5	Available for national interchange only, except under bilateral agreement
6	Available for national interchange only, except under bilateral agreement, and with integrated circuit, which should be used for the financial transaction when feasible
7	Not available for general interchange, except under bilateral agreement
8	Reserved for future use by ISO
9	Test

Digit 2 :Authorization processing
Digit	Meaning
0	Transactions are authorized following the normal rules
1	Reserved for future use by ISO
2	Transactions are authorized by issuer and should be online
3	Reserved for future use by ISO
4	Transactions are authorized by issuer and should be online, except under bilateral agreement
5	Reserved for future use by ISO
6	Reserved for future use by ISO
7	Reserved for future use by ISO
8	Reserved for future use by ISO
9	Reserved for future use by ISO

Digit 3: Range of services and PIN requirements
Digit	Meaning
0	No restrictions and PIN required
1	No restrictions
2	Goods and services only (no cash)
3	ATM only and PIN required
4	Cash only
5	Goods and services only (no cash) and PIN required
6	No restrictions and require PIN when feasible
7	Goods and services only (no cash) and require PIN when feasible
8	Reserved for future use by ISO
9	Reserved for future use by ISO

Field 9: Card Verification Data 1

Field 9: Card Verification Data 1 (CVD 1)
Length	3
Format	Numeric
Description	CVD 1 is a three-digit value encoded on Track 1 in 3 contiguous positions on NEPALPAY cards.
Valid Value	0 to 9

Field 10: National Identification Number

Field 10: National Identification Number
Length	10
Format	Alphanumeric
Description	10 Digit National ID Number
Valid Value	0 to 9

Field 11: Discretionary Data

Field 11: Discretionary Data
Length	79 – used no. of digits(Balance of Available Digits)
Format	Alphanumeric
Description	Includes any valid information that the issuer wants to have transmitted in the transactions.
Valid Value	Any valid non-control or non-reserved character. E.g. of reserved or control characters are separator characters, start sentinel, end sentinel, etc.

Field 12: End Sentinel

Field 12: End Sentinel
Length	1
Format	Alphanumeric
Description	Character that follows the final character of data recorded on the track.
Valid Value	? (Question Mark)

Field 13: Longitudinal Redundancy Check

Field 13: Longitudinal Redundancy Check
Length	1
Format	Numeric
Description	Verification value that ensures that no data has been lost in the stripe-reading process. The LRC is equivalent to a check digit of the entire track, including the control characters.
Valid Value	Any computed value

Annexure 4: Track 2 Encoding Format

The table below lists the Track 2 field names and their length as per ISO 7813. The maximum length of Track 2 is 40 characters.

Field Number	Length	Field Name
1	1	Start Sentinel
2	16 - 19	Primary Account Number (PAN)
3	1	Separator
4	4	Card Expiration Date
5	3	Service Code
6	3	Card Verification Data 1
7	Balance of Available Digits	Discretionary Data
8	1	End Sentinel
9	1	Longitudinal Redundancy Check
Total	40 Characters

Table 58: Track 2 Encoding Format

Field 1: Start Sentinel

Field 1: Start Sentinel
Length:	1
Format:	Alphanumeric
Description:	Indicates the initial data position on the track.
Valid Value:	; (Semicolon)

Field 2: Primary Account Number (PAN)

Field 2: Primary Account Number (PAN)
Length:	12 - 19
Format:	Numeric
Description:	A number identifying the card number.
Valid Value:	0 to 9 without spaces

Field 3: Separator

Field 3: Separator
Length:	1
Format:	Alphanumeric
Description:	Indicates the end of a variable length of PAN.
Valid Value:	= (equal sign)

Field 4: Card Expiration Date

Field 4: Card Expiration Date
Length:	4
Format:	Numeric Date (YYMM)
Description:	Year and month after which the card can no longer be used.
Valid Value:	YY must be 00 to 99; MM must be 01 to 12

Field 5: Service Code

Field 5: Service Code
Length:	3
Format:	Numeric
Description:	A sequence of digits that, taken as a whole, defines various services; and identifies card restrictions.
Valid Value:	The value allowed for EMV domestic and International Cards is 226 2 – International Integrated Circuit Card 2 – Positive Authorization Mandatory 6 – Prompt for PIN if PIN pad present

Service Code can be expressed with the following digit combinations.

Digit 1 (most significant): Interchange and technology
Digit	Meaning
0	Reserved for future use by ISO
1	Available for international interchange
2	Available for international interchange and with integrated circuit, which should be used for the financial transaction when feasible
3	Reserved for future use by ISO
4	Reserved for future use by ISO
5	Available for national interchange only, except under bilateral agreement
6	Available for national interchange only, except under bilateral agreement, and with integrated circuit, which should be used for the financial transaction when feasible
7	Not available for general interchange, except under bilateral agreement
8	Reserved for future use by ISO
9	Test

Digit 2: Authorization processing
Digit	Meaning
0	Transactions are authorized following the normal rules
1	Reserved for future use by ISO
2	Transactions are authorized by issuer and should be online
3	Reserved for future use by ISO
4	Transactions are authorized by issuer and should be online, except under bilateral agreement
5	Reserved for future use by ISO
6	Reserved for future use by ISO
7	Reserved for future use by ISO
8	Reserved for future use by ISO
9	Reserved for future use by ISO

Digit 3: Range of services and PIN requirements
Digit	Meaning
0	No restrictions and PIN required
1	No restrictions
2	Goods and services only (no cash)
3	ATM only and PIN required
4	Cash only
5	Goods and services only (no cash) and PIN required
6	No restrictions and require PIN when feasible
7	Goods and services only (no cash) and require PIN when feasible
8	Reserved for future use by ISO
9	Reserved for future use by ISO

Field 6: Card Verification Data 1

Field 6: Card Verification Data 1 (CVD 1)
Length:	3
Format:	Numeric
Description:	CVD 1 is a three-digit value encoded on Track 2 in 3 contiguous positions on NEPALPAY cards.
Valid Value:	0 to 9

Field 7: Discretionary Data

Field 7: Discretionary Data
Length:	40 – used no. of digits(Balance of Available Digits)
Format:	Alphanumeric
Description:	Includes any valid information that the issuer wants to have transmitted in the transactions.
Valid Value:	Any valid non-control or non-reserved character. E.g. of reserved or control characters are separator characters, start sentinel, end sentinel, etc.

Field 8: End Sentinel

Field 8: End Sentinel
Length:	1
Format:	Alphanumeric
Description:	Character that follows the final character of data recorded on the track.
Valid Value:	? (Question Mark)

Field 9: Longitudinal Redundancy Check

Field 9:Longitudinal Redundancy Check
Length:	1
Format:	numeric
Description:	Verification value that ensures that no data has been lost in the stripe-reading process. The LRC is equivalent to a check digit of the entire track, including the control characters.
Valid Value:	Any computed value