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5. Message Format

5.1 Message Definition​

A card-based transaction message ordinarily travels from a transaction initiating device, such as a point-of-sale terminal (POS) or an automated teller machine (ATM), through a series of networks, to issuer for authorization against the card holder's account. The transaction message consists the information of card, cardholder, terminal, merchant and other as per needs. Based on this information, the card issuing system will either authorize or decline the transaction and generate a response message which must be delivered back to the terminal within a predefined time period. Based on the response message, terminal shall complete the transaction and provide respective result to the cardholder.

The card-based transaction messages include purchase, withdrawal, deposit, refund, reversal, balance inquiry, fund transfer, mini statement, utility payments etc. Apart from these, ISO 8583 also defines system-to-system messages such as network messages, key exchange messages, etc.

5.2 Message Type Identification​

This section covers the message type identification used in National Card Switch online message specification.

S.N.TransactionMessage TypeKey Data Elements
1POS PurchaseMTI 0100 / 0110Data Element Field 3 must be 00XXXX Data Element Field 35 must be present
2POS Purchase ReversalMTI 0420 / 0430Data Element Field 3 must be 00XXXX Data Element Field 90 must be present
3VOID / CancellationMTI 0420 / 0430Data Element Field 3 must be 00XXXX Data Element Field 39 must be 17 Data Element Field 90 must be present
4RefundMTI 0120 / 0130Data Element Field 3 must be 20XXXX Data Element Field 90 must be present
5PreauthorizationMTI 0100 / 0110Data Element Field 3 must be 03XXXX
6Preauthorization ReversalMTI 0420 / 0430Data Element Field 3 must be 03XXXX Data Element Field 90 must be present
7Preauthorization CancellationMTI 0420 / 0430Data Element Field 3 must be 03XXXX Data Element Field 39 must be 17 Data Element Field 90 must be present
8Preauthorization CompletionMTI 0120 / 0130Data Element Field 3 must be 03XXXX
9Purchase with CashbackMTI 0100 / 0110Data Element Field 3 must be 09XXXX Data Element Field 54 must contain cashback amount
10Purchase with TIP (Gratuity)MTI 0100 / 0110Data Element Field 3 must be 00XXXX Data Element 04 must contain transaction amount plus tip amount Data Element Field 54 must contain tip amount
11Balance InquiryMTI 0100 / 0110 MTI 0200 / 0210Data Element Field 3 must be 30XXXX The Balance Amount is returned in Data Element Field 54
12Cash Withdrawal / Fast Cash - ATMMTI 0200 / 0210Data Element Field 3 must be 01XXXX
13Mini StatementMTI 0100 / 0110 MTI 0200 / 0210Data Element Field 3 must be 38XXXX The Statement Data is returned in Data Element Field 120
14PIN ChangeMTI 0200 / 0210Data Element Field 3 must be 98XXXX The PIN change data must present in Data Element 120
15Reversal – ATM Cash withdrawal / Fast CashMTI 0420 / 0430Data Element Field 3 must be 01XXXX Data Element Field 90 must be present
16Cheque Book RequestMTI 0200 / 0210Data Element Field 3 must be 36XXXX
17Statement RequestMTI 0200 / 0210Data Element Field 3 must be 37XXXX
18Fund TransferMTI 0200 / 0210Data Element Field 3 must be 40XXXX
19Utility Payment – for ATMMTI 0200 / 0210 – from ATM MTI 0100 / 0110 – from POS & Ecommerce
20eCommerce PurchaseMTI 0100 / 0110Data Element Field 3 must be 00XXXX Data Element Field 22 must be 07X
21Account VerificationMTI 0100 / 0110Data Element Field 3 must be 18XXXX Data Element Field 63 must be present
22Original Credit Transaction (OCT)MTI 0100 / 0110Data Element Field 3 must be 26XXXX
23Installment PaymentMTI 0200 / 0210 – from ATM MTI 0100 / 0110 – from POS & Ecommerce
24Recurring PaymentMTI 0200 / 0210 – from ATM MTI 0100 / 0110 – from POS & Ecommerce
25Tax RefundMTI 0200 / 0210 – from ATM MTI 0100 / 0110 – from POS & Ecommerce
26EMI PaymentMTI 0200 / 0210 – from ATM MTI 0100 / 0110 – from POS & Ecommerce
27Network EchoMTI 0800 / 0810Data Element Field 70 must be 301
28Network Signon / LogonMTI 0800 / 0810Data Element Field 70 must be 001
29Network Signoff / LogoffMTI 0800 / 0810Data Element Field 70 must be 002 Data Element Field 70 must be 012 – for logoff due to Debit Cap Limit Exceed
30Network Cut OverMTI 0800 / 0810Data Element Field 70 must be 201
31Network Key ExchangeMTI 0800 / 0810Data Element Field 70 must be 161 – for Member initiated Data Element Field 70 must be 162 – for NCHL initiated
32STIP AdviceMTI 0120 / 0130
33File UpdateMTI 0302 / 0312

Table 8: Message Identification

5.3 Transaction Message Flow​

The following Message flows represent the path of a Message between an Acquirer, NCHL and an Issuer. The flows are organized by Message type and by specific situations for each Message type. A diagram and a description that gives details regarding the diagram depict each flow. The numbers in the diagram correlate to a specific step in the description.

5.3.1 Authorization Transaction Message Flows [0100 / 0110]​

This message serves to authorize a transaction even before the final purchase amount is determined. Its primary function is to ascertain the availability of funds, obtain approval, and subsequently block the necessary funds in the account. It's important to note that these messages do not have a direct settlement impact. To complete the clearing and settlement process for an approved transaction, the acquirer must submit the transaction to the clearing system. Authorization Messages deliver information regarding the purchase of goods or services between Merchants/Acquirers and Issuers. Minimally, the 0100 Authorization Request carries information detailing the Card Number, Card Acceptor, and when and how the Card Transaction occurred. The 0110 Authorization Response returns the same information, including the decision on the Authorization Request.

Example Image

Figure 11: 0100/0110 Authorization message flow

SequenceDescription
1The Acquirer sends the 0100 Authorization Request to NCHL.
2NCHL receives the 0100 Authorization Request and routes it to the Issuer for Authorization.
3The Issuer approves or declines the 0100 Authorization Request, creates the 0110 Authorization Response, and sends the Authorization Response to NCHL.
4NCHL routes the 0110 Authorization Response to the Acquirer.

5.3.2 Financial Transaction Message Flows [0200 / 0210]​

This message is designed to verify the availability of funds, secure approval, and initiate the debit from the account. Notably, financial messages of this nature have a direct settlement impact. Following this transaction, no exchange of clearing files takes place. Financial Transaction Messages deliver information regarding Cash Disbursements from ATMs as well as Card Transactions for transfer of funds. Minimally, the 0200 Financial Transaction Request carries information detailing how, when, and where the Cash Disbursement occurred, details about the Cardholder and Card Number, security information, and Settlement date. The 0210 Financial Transaction Response returns the same information, including the decision on the Financial Transaction Request.

Example Image

Figure 12: 0200/0210 Financial message flow

SequenceDescription
1The Acquirer/ATM Network sends the 0200 Financial Transaction Request to NCHL.
2NCHL receives the 0200 Financial Transaction Request and routes it to the Issuer for Authorization.
3The Issuer approves or declines the 0200 Financial Transaction Request, creates the 0210 Financial Transaction Response, and sends the Financial Transaction Response to NCHL.
4NCHL routes the 0210 Financial Transaction Response to the Acquirer/ATM Network.

5.3.3 Authorization Advice Message Flows [0120 / 0130]​

Authorization Advice Messages are used when the Issuer is unavailable and stand-in processing was used to make the decision on an Authorization Request Transactions. The Authorization Advice Messages are subject to store and forward processing for Network stand-in processing to ensure the Issuer receives notification of the Card Transaction. The 0120 Authorization Advice Message contains the same information as the original Authorization Request, as well as the NCHL stand-in decision regarding the Authorization Request, where applicable. The 0130 Authorization Advice Message Response indicates the Authorization Advice Message was received.

Example Image

Figure 13: 0120/0130 Authorization advice message flow

SequenceDescription
1The Acquirer sends the 0100 Authorization Transaction Request to NCHL.
2NCHL receives the 0100 Authorization Transaction Request and, in the event of issuer unavailability, responds with a 0110 Authorization response to the acquirer, exercising the stand-in facility and providing the necessary authority on behalf of the issuer.
3When the issuer comes online, NCHL generates an authorization advice message request 0120, stores and forwards it to the issuer.
4The issuer sends a 0130 authorization advice response, confirming the proper receipt of the authorization advice request.

5.3.4 File Update Message Flows [0302 / 0312]​

File update message is an issuer generated message. File update message is used to update the cardholder records in NCHL database for negative list. This message will enable performing a STIP authentication on behalf of the issuer.

Example Image

Figure 14: 0302/0312 File Update message flow
SequenceDescription
1The Issuer member sends 0302 File Update Message request to NCHL.
2NCHL responds with the 0312 File Update Message Response to the Issuer.

5.3.4 Reversal Advice Message Flows [0420 / 0430]​

This message functions to reverse the action of a prior authorization or financial transactions. It serves as a notification to NPS-NCS and/or the issuer, specifically addressing an error condition related to a previous financial transaction or balance update transaction if:

• An approved transaction is cancelled at the POS or ATM device.

• Acquirer does not receive a response to a financial request.

• Acquirer cannot send an approved response to the POS or ATM device.

In the event that these messages cannot be promptly delivered to their designated destination for any reason, the acquirer or NCHL stores them in SAF (Store and Forward) and subsequently forwards them to the intended destination. NCHL treats all reversal messages as reversal advice messages. To initiate a reversal, the acquirer must send a 0420 message to NCHL, which will then forward it to the issuer. The issuer is required to respond with a 0430 message.

NCHL generates reversals exclusively for time-out scenarios concerning issuer responses. Additionally, NCHL will generate a reversal if the response from the issuer fails format validation or if the issuer fails to respond within the allowed time limit. It is crucial to note that a reversal always requires acknowledgment. The response code in the reversal response 0430 message is disregarded at NCHL. Once a response is received for the 0420 message from the issuer, NCHL considers the reversal as completed. It is then removed from SAF and takes effect in settlement.

The acquirer has the capability to generate reversals within the next 72 hours, equivalent to three cut-over cycles. Reversals generated beyond this timeframe will not be validated or processed by NCHL.

5.3.4.1 Acquirer Generated Reversal Message Flow [0420 / 0430]​

Example Image

Figure 15: 0420/0430 Reversal message flow

SequenceDescription
1The Merchant/Acquirer/ATM Network generates and forwards the 0420 Reversal Advice Message to NCHL due to reasons as:
  • The acquirer experienced a timeout/ late response from NCHL, despite NCHL sending a response within the expected timeframe.
  • A network issue arose between NCHL and the acquirer after NCHL had already sent the response.
  • A network issue between the acquirer and the terminal.
  • Hardware issue in the terminal for completing the transaction.
2NCHL responds with the 0430 Reversal Advice Message Response to the Merchant/Acquirer/ATM Network.
3NCHL stores and forwards the 0420 Reversal Advice Message to the Issuer.
4The Issuer responds with the 0430 Reversal Advice Message Response to NCHL.

Note:Reversal advice message may be stored and forwarded by NCHL at a later time, resulting in sending the Message immediately or at some later time.

5.3.4.1.1 Reversal Message Flow [0420 / 0430] due to Acquirer Unable to Process​

Example Image

Figure 16: Acquirer generated Reversal message flow: Acquirer Unable to Process

SequenceDescription
1The Acquirer sends the 0100/0200 Transaction Request to NCHL.
2NCHL receives the 0100/0200 Transaction Request and routes it to the Issuer for Authorization.
3The Issuer accepts or declines the 0100/0200 Transaction Request, creates the 0110/0210 Response, and sends the response to NCHL.
4NCHL responds to the 0100/0200 Transaction Request with the 0110/0210 Response.
5The Acquirer unable to process the transaction or could not able to send the response to terminal. Then Acquirer creates the 0420 Reversal Advice Message, if the 0100/0200 Transaction Request was approved, and stores and forwards the Reversal Advice Message to NCHL.
6NCHL responds with a 0430 Reversal Advice Message Response to the Acquirer.
7NCHL stores and forwards the 0420 Reversal Advice Message to the Issuer.
8The Issuer responds with the 0430 Reversal Advice Message Response to NCHL.

Note:Reversal advice message may be stored and forwarded by NCHL at a later time, resulting in sending the Message immediately or at some later time.

5.3.4.1.2 Reversal Message Flow [0420 / 0430] due to NCHL Late Good Response to Acquirer​

Example Image

Figure 17: Acquirer generated Reversal message flow: NCHL Late Good Response to Acquirer

SequenceDescription
1The Acquirer sends the 0100/0200 Transaction Request to NCHL.
2NCHL receives the 0100/0200 Transaction Request and routes it to the Issuer for Authorization.
3The Issuer accepts or declines the 0100/0200 Transaction Request, creates the 0110/0210 Transaction Response, and sends the response to NCHL.
4NCHL does not respond to the 0100/0200 Transaction Request with the 0110/0210 Transaction Response in a pre-determined time period. The Acquirer declines the Transaction, but then receives a delayed 0110/0210 Transaction Response from NCHL.
5The Acquirer generates the 0420 Reversal Advice Message, if the 0100/0200 Transaction Request was having timed-out or late good response, and forwards the Reversal Advice Message to NCHL.
6NCHL responds with a 0430 Reversal Advice Message Response to the Acquirer.
7NCHL stores and forwards the 0420 Reversal Advice Message to the Issuer.
8The Issuer responds with the 0430 Reversal Advice Message Response to NCHL.

Note:Reversal advice message may be stored and forwarded by NCHL at a later time, resulting in sending the Message immediately or at some later time.

5.3.4.1.3 Reversal Message Flow [0420 / 0430] due to Terminal Failure​

Example Image

Figure 18: Acquirer generated Reversal message flow: Terminal Failure

SequenceDescription
1The Acquirer sends the 0100/0200 Transaction Request to NCHL.
2NCHL receives the 0100/0200 Transaction Request and routes it to the Issuer for Authorization.
3The Issuer accepts or declines the 0100/0200 Transaction Request, creates the 0110/0210 Transaction Response, and sends the response to NCHL.
4NCHL responds to the 0100/0200 Transaction Request with the good 0110/0210 Transaction Response.
5The Acquirer declines the Transaction due to a hardware failure of the terminal. The Acquirer generates the 0420 Reversal Advice Message and forwards the Reversal Advice Message to NCHL.
6NCHL responds with a 0430 Reversal Advice Message Response to the Acquirer.
7NCHL stores and forwards the 0420 Reversal Advice Message to the Issuer.
8The Issuer responds with the 0430 Reversal Advice Message Response to NCHL.

Note:Reversal advice message may be stored and forwarded by NCHL at a later time, resulting in sending the Message immediately or at some later time.

5.3.4.2 NCHL Generated Reversal Message Flow [0420 / 0430]​

Example Image

Figure 19: NCHL Generated Reversal Message Flow

SequenceDescription
1The Acquirer sends the 0100/0200 Transaction Request to NCHL.
2NCHL receives the 0100/0200 Transaction Request and routes it to the Issuer for Authorization.
3The Issuer responds to the 0100/0200 Transaction with the 0110/0210 Transaction Response to NCHL.
4NCHL found timeout or message validation fails in the 0110/0210 response, responds 0110/0210 message to acquirer with appropriate error code.
5NCHL generates and sends the 0420 Reversal Advice Message to the Issuer in case of late good response or failing validation of the response message.
6The Issuer responds with the 0430 Reversal Advice Message Response to NCHL.

Note:Reversal advice message may be stored and forwarded by NCHL at a later time, resulting in sending the Message immediately or at some later time.

5.3.4.2.1 NCHL Generated Reversal Message Flow [0420 / 0430] due to Message Validation​

Example Image

Figure 20: NCHL generated Reversal message flow: Message Validation
SequenceDescription
1The Acquirer sends the 0100/0200 Transaction Request to NCHL.
2NCHL receives the 0100/0200 Transaction Request and routes it to the Issuer for Authorization.
3The Issuer responds to the 0100/0200 Transaction with the 0110/0210 Transaction Response.
4NCHL validates the response message 0110/0210 and identifies an invalid message, then NCHL responds acquirer with error response code.
5NCHL generates and sends the 0420 Reversal Advice Message to the Issuer.
6The Issuer responds with the 0430 Reversal Advice Message Response to NCHL.

Note:Reversal advice message may be stored and forwarded by NCHL at a later time, resulting in sending the Message immediately or at some later time.

5.3.4.2.2 NCHL Generated Reversal Message Flow [0420 / 0430] due to Issuer Late good Response to NCHL​

Example Image

Figure 21: NCHL generated Reversal message flow: Issuer Late Good Response to NCHL

SequenceDescription
1The Acquirer sends the 0100/0200 Transaction Request to NCHL.
2NCHL receives the 0100/0200 Transaction Request and routes it to the Issuer for Authorization.
3The Issuer does not respond to the 0100/0200 Transaction with the 0110/0210 Transaction Response in a pre-determined time period. NCHL creates the declined 0110/0210 Transaction Response, and sends the response to the Acquirer.
4NCHL receives a delayed 0110/0210 Transaction Response from the Issuer.
5NCHL generates and sends the 0420 Reversal Advice Message to the Issuer, if the Issuer was not responded or responded 0110/0210 with late good response.
6The Issuer responds with the 0430 Reversal Advice Message Response to NCHL.

Note:Reversal advice message may be stored and forwarded by NCHL at a later time, resulting in sending the Message immediately or at some later time.

5.3.4.2.3 NCHL Generated Reversal Message Flow [0420 / 0430] due to NCHL processing error​

Example Image

Figure 22: NCHL generated Reversal message flow: NCHL processing error

SequenceDescription
1The Acquirer sends the 0100/0200 Transaction Request to NCHL.
2NCHL receives the 0100/0200 Transaction Request and routes it to the Issuer for Authorization.
3The Issuer responds to the 0100/0200 Transaction with the 0110/0210 Transaction Response.
4NCHL is unable to process the response 0110/0210 properly, then NCHL responds acquirer with error response code.
5NCHL generates and sends the 0420 Reversal Advice Message to the Issuer.
6The Issuer responds with the 0430 Reversal Advice Message Response to NCHL.

Note:Reversal advice message may be stored and forwarded by NCHL at a later time, resulting in sending the Message immediately or at some later time.

5.3.4.4 Merchant Refunds and VOID Through Reversal​

In the scenario where an acquirer initiates an authorization request (0100) and receives an approved authorization response (0110) with valid DE-38 and DE-39, but the customer cancels the transaction by voiding it at the POS terminal, the acquirer subsequently sends a reversal with DE-39 = '17' to NCHL.

Example Image

Figure 23: Merchant Refund and VOID Through Reversal Message Flow

SequenceDescription
1The Acquirer/ATM Network sends the 0100 Authorization Transaction Request to NCHL.
2NCHL receives the 0100 Authorization Transaction Request and routes it to the Issuer for Authorization.
3The Issuer responds to the 0100 Authorization Transaction with the 0110 Authorization Transaction Response to NCHL.
4NCHL responds the 0110 authorization response message to acquirer.
5In response to a merchant's request for a customer refund or void, the merchant acquirer reverses the original transaction. The merchant acquirer formats a 0420 Reversal Advice message, as necessary, with specified field values to indicate the reason for the reversal. DE-39 = ‘17’
6NCHL stores and forwards the 0420 Reversal Advice Message to the Issuer.
7The Issuer responds with the 0430 Reversal Advice Message Response to NCHL.
8NCHL responds with the 0430 Reversal Advice Message Response to the Acquirer.

Note:Reversal advice message may be stored and forwarded by NCHL at a later time, resulting in sending the Message immediately or at some later time.

5.3.5 Network Management Message Flows [0800 / 0810]​

This message is used to communicate participating members with the NCHL. These messages can be initiated either by members or by NCHL. These messages are used to communicate that the member is available for processing transactions.

5.3.5.1 0800/0810 Network Management Message Flow: Echo Message​

Echo-test messages are network management messages used to establish whether a member is available for message processing. They can be sent from or to a Member as 0800 messages and require 0810 messages in response. Echo-test messages are distinguished by a value of 301 in data element 70 (Network Management Information Code). Echo-test messages are sent based on a pre-configured time interval. When NCHL sends an Echo-test message, a timer is set to wait for a response. If the timer expires before NCHL receives the response, NCHL will attempt the Echo-test message three more times and if they all timeout then it will change the status of the corresponding Member to unavailable or DOWN. NCHL will not send any messages except for Echo-test messages until the member confirms the echo message with response code “00”. Then Logon message is required to change the status of the corresponding Member to available or UP.

Example Image

Figure 24: 0800/0810 Network Management - Echo message flow

SequenceDescription
1NCHL generates a 0800 Network Management Request, Echo-test and sends it to the Member with Network Management Code set to - "301". This tells the Member that NCHL is available over that link.
2The Member responds with a 0810 Network Management Request Response message with Response Code set to - “00”. There is no need to log the Echo-test message at the Member side.

Note:Similarly, member can originate and send the Network Management – Echo message to NCHL as per their pre-defined interval. Echo messages must be sent before logon messages are exchanged.

5.3.5.2 0800/0810 Network Management Message Flow: Logon Message​

Logon or Signon messages are network management messages used to initiate communications access between the NPS-NCS and Member’s switch. They are sent as 0800 messages and require 0810 messages in response. Logon messages are distinguished by a value of 001 (sign-on) in data element 70 (Network Management Information Code). The Logon message is essential in scenarios where a Member is: initially enrolled, or if a prior Logoff has occurred and need logon, or if physical connection between NCHL and member was down and is up. After the successful Logon message, NPS-NCS defines the status of the Member’s link as being UP and is ready to start processing transactions.

Example Image

Figure 25: 0800/0810 Network Management - Logon message flow

SequenceDescription
1The member generates a 0800 Network Management Request, Logon and sends it to the NCHL with Network Management Code set to - "001".
2NCHL responds with a 0810 Network Management Request Response message with Response Code set to - “00”. Then brings the status of the Member’s link as being UP.

Note:Similarly, NCHL can originate and send the Network Management – Logon message to member. NCHL or member shall initiate the logon message under following conditions.

• If physical link is broken due from member’s side, its member’s responsibility to initiate logon message.

• If physical link is broken due from NCHL side, its NCHL’s responsibility to initiate logon message.

5.3.5.3 0800/0810 Network Management Message Flow: Logoff Message​

Logoff messages are used to shut down a communication line between the NPS-NCS and member’s switch. All traffic on the line shall be completed before the line is shut down. They are sent as 0800 messages and require 0810 messages in response. Logoff messages are distinguished by a value of 002 (sign-off) in data element 70 (Network Management Information Code). Occasionally, it may be necessary for NCHL to cut off communications with a Member. The logoff message feature is a method of indicating to the Member that NCHL will not be processing any transactions.

Example Image

Figure 26: 0800/0810 Network Management - Logoff message flow

SequenceDescription
1NCHL generates a 0800 Network Management Request, Logoff and sends it to the Member with Network Management Code set to - "002".
2The Member responds with a 0810 Network Management Request Response message with Response Code set to - “00”.

Note:Similarly, member can originate and send the Network Management – Logoff message to NCHL when it is necessary to cut off the communications with NCHL. This indicates to NCHL that the Member will not be processing any more transactions.

5.3.5.4 0800/0810 Network Management Message Flow: Cutover Message​

It provides a mechanism for NCHL to inform all Banks that the transactions that they receive from this point on will be applied to a new business day or settlement date. It must be noted that NCHL’s settlement date will apply for all transaction settlement between NCHL and Members regardless of the Member bank’s capture date. NCHL will issue cutover message (0800 message with net code=201 in DE-70) at defined hour indicating a business date change for both SMS & DMS transactions, NCHL cut off time indicates the new settlement date is considered for transactions after cutover for SMS transactions.

Example Image

Figure 27: 0800/0810 Network Management - Cutoff message flow

SequenceDescription
1NCHL generates a 0800 Network Management Request, Cutover and sends it to the Member with Network Management Code set to - "201". The commencement of the NPS-NCS new business day is indicated by the Settlement Date (DE - 15), signifying that all subsequent transactions between NCHL and Members should exclusively pertain to the refreshed NCHL business day.
2The Member responds with a 0810 Network Management Request Response message with Response Code set to - “00” indicating receipt and acknowledgment of the change of business day.

5.3.5.5 0800/0810 Network Management Message Flow: NCHL Initiated Key Exchange Message​

Key exchange is a service that enables member banks to change working keys that are used to protect cardholder PINs via online messages. To utilize this service, members shall obtain a Zone Master Key (ZMK). A ZMK is a key exchange key. Members use a ZMK for encrypting the working key when they convey it in an online message. A ZMK is used to protect a Zonal Pin Key (ZPK). ZPK is different for both an issuer and an acquirer. Whether functioning as an issuer or an acquirer, each member will utilize a singular ZPK. There are two types of PIN encryption keys: Acquirer ZPKs and Issuer ZPKs. NCHL and an acquirer would share one ZPK and NCHL and issuer would share another ZPK. Acquirers use their ZPK to encrypt the PIN while sending a message to NCHL. NCHL uses the issuer ZPK to encrypt the PIN when it sends the message to the issuer.

The key exchange service makes it practically convenient to change PIN encryption keys frequently, thereby increasing the security of the payment system and reducing the chances of key compromise. The key exchange message could be initiated from NCHL side as well as from Member’s side.

Example Image

Figure 28: 0800/0810 Network Management – NCHL Initiated Key Exchange message flow
SequenceDescription
1When NCHL identifies the need for a key change in response to threshold limit breaches or expired timers for a specific member, it initiates the process by composing a Network Management Request message (0800). The message is then sent to the member, containing predefined field values:
  • Network Management Code set to - "162"
  • Additional Data 1 (DE-48) – formatted with the new key information
NCHL generates the new key by requesting a Zonal Pin Key (ZPK) generation from the Host Security Module (HSM) connected to NPS-NCS.
2Upon receipt of the 0800 Network Management Request Message, the Member identifies it as a key change request. Following a thorough validation, the Member's switch initiates a request to the Member Host Security Module. NCHL receives the 0810 Network Management Request Response from the Member and determines that a Response Code value “00” was received indicating successful completion of the key exchange.

Note:For key exchange request initiated by NCHL, the success of a message is contingent upon a Member providing a response within the timeframe specified by NCHL. If the timer expires before NCHL receives the response or if the original message encounters failure, NCHL automatically discards the 0800 message. Only NCHL may initiate the key exchange message based on:

  1. After a specific time interval.

  2. In case NCHL detects a cryptographic error.

5.3.5.6 0800/0810 Network Management Message Flow: Member Initiated Key Exchange Message​

In cases where a Member encounters HSM problems or key synchronization issues, there is an option to request a dynamic key exchange for recovery. This can be accomplished by initiating a dynamic key exchange request to NCHL as per details provided below.

Example Image

Figure 29: 0800/0810 Network Management – Member Initiated Key Exchange message flow

SequenceDescription
1The Member initiates a new key request message (0800) for recovery purpose or for any ad-hoc reason, containing predefined field values:
  • Network Management Code set to - "161"
2NCHL responds with a 0810 Network Management Request Response message with Response Code set to - “00” with DE-70 = “161”.
3NCHL then generates a new key and initiates a key exchange request message (0800) containing predefined field values:
  • Network Management Code set to - "162"
  • Additional Data 1 (DE-48) – formatted with the new key information
NCHK generates the new key by requesting a Zonal Pin Key (ZPK) generation from the Host Security Module (HSM) connected to NPS-NCS.
4Upon receipt of the 0800 Network Management Request Message, the Member identifies it as a key change request. Following a thorough validation, the Member's switch initiates a request to the Member Host Security Module. NCHL receives the 0810 Network Management Request Response from the Member and determines that a Response Code value “00” was received indicating successful completion of the key exchange.

Note:Member bank can initiate key exchange request either on ad hoc basis or after facing some key related issues. Once the new key request from the member bank is accepted, NCHL will initiate key exchange message.

5.4 Message Format Notations​

Following are the symbols used in different message formats.

AbbreviationMeaning
MMandatory
M+Mandatory, Echoed from the request
CConditional
C+Conditional, Echoed from request
C*Conditional, value changed by NCHL
OOptional
O+Optional, Echoed from request
--Not required
AAlphabetical
BBinary data
NNumeric value
SSpecial character
XCharacter C / D to indicate credit / debit
ZTrack data
ANAlphanumeric
ANSAlphanumeric with special characters
LLFollowed by the variable length value of data element, from 01 to 99
LLLFollowed by the variable length value of data element, from 001 to 999
VARData element with variable length

Table 9: Notation used in message format

5.5 Message Format​

5.5.1 POS Purchase​

The table below describes POS purchase message.

DE FieldDescription0100 (Acquirer ➜ NCHL)0110 (NCHL ➜ Acquirer)0100 (NCHL ➜ Issuer)0110 (Issuer ➜ NCHL)
1Secondary bit mapCCCC
2Primary Account NumberMM+MM+
3Processing CodeMM+MM+
4Amount, TransactionMM+MM+
5Amount, SettlementCC+CC+
6Amount, card holder billingCC+CC+
7Date/time transmissionMM+MM+
9Conversion rate, SettlementCC+CC+
10Conversion rate, card holder billingCC+CC+
11System trace audit numberMM+MM+
12Time, local transactionMM+MM+
13Date, local transactionMM+MM+
14Date, expiryC--C--
15Date, SettlementCC+CC+
16Date, conversionCC+CC+
18Merchant category codeMM+MM+
19Acquiring institution country codeMM+MM
22POS entry modeM--M--
23Card sequence numberCC+CC+
25POS condition codeM--M--
28Amount, FeeCC+CC+
29Amount, FeeCCCC
32Acquiring institution codeMM+MM+
33Forwarding institution codeCC+CC+
35Track 2 dataC--C--
37Retrieval reference numberMM+MM+
38Authorization code--M--M
39Response code--M--M
41Card acceptor terminal IDMM+MM+
42Card acceptor IDM--M--
43Card acceptor name / locationM--M--
44Additional Response Data--C--C
45Track 1 dataC--C--
48Additional Data 1M--M--
50Currency code, settlementCC+CC+
51Currency code, card holder billingCC+CC+
52PIN dataC--C--
54Additional Amounts--O--O
55Chip dataCCCC
56Customer Related DataCC+CC+
61POS DataM--M--
102Account Identification 1OOOO

Table 10: POS Purchase Message

5.5.2 POS Purchase Reversal​

The table below describes POS purchase Reversal message.

DE FieldDescription0420 (Acquirer ➜ NCHL)0430 (NCHL ➜ Acquirer)0420 (NCHL ➜ Issuer)0430 (Issuer ➜ NCHL)
1Secondary bit mapCCCC
2Primary Account NumberMM+MM+
3Processing CodeMM+MM+
4Amount, TransactionMM+MM+
5Amount, SettlementCC+CC+
6Amount, card holder billingCC+CC+
7Date/time transmissionMM+MM+
9Conversion rate, SettlementCC+CC+
10Conversion rate, card holder billingCC+CC+
11System trace audit numberMM+MM+
12Time, local transactionMM+MM+
13Date, local transactionMM+MM+
15Date, SettlementCC+CC+
16Date, conversionCC+CC+
18Merchant category codeMM+MM+
19Acquiring institution country codeMM+MM+
22POS entry modeM--M--
23Card sequence numberCC+CC+
25POS condition codeM--M--
28Amount, FeeCC+CC+
29Amount, FeeCCCC
32Acquiring institution codeMM+MM+
33Forwarding institution codeCC+CC+
37Retrieval reference numberMM+MM+
38Authorization code--M--M
39Response codeMMMM
41Card acceptor terminal IDMM+MM+
42Card acceptor IDM--M--
43Card acceptor name / locationM--M--
44Additional Response Data--C----
48Additional Data 1M--M--
49Currency code, transactionMM+MM+
50Currency code, settlementCC+CC+
51Currency code, card holder billingCC+CC+
54Additional Amounts--O--O
55Chip dataCCCC
56Customer Related DataCC+CC+
61POS DataM--M--
90Original Data ElementMM+MM+
102Account Identification 1OOOO

Table 11: POS Purchase Reversal Message

5.5.3 VOID / Cancellation​

The table below describes VOID / Cancellation message.

DE FieldDescription0420 (Acquirer ➜ NCHL)0430 (NCHL ➜ Acquirer)0420 (NCHL ➜ Issuer)0430 (Issuer ➜ NCHL)
1Secondary bit mapCCCC
2Primary Account NumberMM+MM+
3Processing CodeMM+MM+
4Amount, TransactionMM+MM+
5Amount, SettlementCC+CC+
6Amount, card holder billingCC+CC+
7Date/time transmissionMM+MM+
9Conversion rate, SettlementCC+CC+
10Conversion rate, card holder billingCC+CC+
11System trace audit numberMM+MM+
12Time, local transactionMM+MM+
13Date, local transactionMM+MM+
15Date, SettlementCC+CC+
16Date, conversionCC+CC+
18Merchant category codeMM+MM+
19Acquiring institution country codeMM+MM+
22POS entry modeM--M--
23Card sequence numberCC+CC+
25POS condition codeM--M--
28Amount, FeeCC+CC+
29Amount, FeeCCCC
32Acquiring institution codeMM+MM+
33Forwarding institution codeCC+CC+
37Retrieval reference numberMM+MM+
38Authorization code--M--M
39Response codeMMMM
41Card acceptor terminal IDMM+MM+
42Card acceptor IDM--M--
43Card acceptor name / locationM--M--
44Additional Response Data--C--C
48Additional Data 1M--M--
49Currency code, transactionMM+MM+
50Currency code, settlementCC+CC+
51Currency code, card holder billingCC+CC+
54Additional Amounts--O--O
55Chip dataCCCC
56Customer Related DataCC+CC+
61POS DataM--M--
90Original Data ElementMM+MM+
102Account Identification 1OOOO

Table 12: VOID Message

5.5.4 Refund​

The table below describes Refund message.

DE FieldDescription0120 (Acquirer ➜ NCHL)0130 (NCHL ➜ Acquirer)0120 (NCHL ➜ Issuer)0130 (Issuer ➜ NCHL)
1Secondary bit mapCCCC
2Primary Account NumberMM+MM+
3Processing CodeMM+MM+
4Amount, TransactionMM+MM+
5Amount, SettlementCC+CC+
6Amount, card holder billingCC+CC+
7Date/time transmissionMM+MM+
9Conversion rate, SettlementCC+CC+
10Conversion rate, card holder billingCC+CC+
11System trace audit numberMM+MM+
12Time, local transactionMM+MM+
13Date, local transactionMM+MM+
15Date, SettlementCC+CC+
16Date, conversionCC+CC+
18Merchant category codeMM+MM+
19Acquiring institution country codeMM+MM+
22POS entry modeM--M--
23Card sequence numberCC+CC+
25POS condition codeM--M--
28Amount, FeeCC+CC+
29Amount, FeeCCCC
32Acquiring institution codeMM+MM+
33Forwarding institution codeCC+CC+
37Retrieval reference numberMM+MM+
38Authorization code--M--M
39Response code--M--M
41Card acceptor terminal IDMM+MM+
42Card acceptor IDM--M--
43Card acceptor name / locationM--M--
44Additional Response Data--C--C
48Additional Data 1M--M--
49Currency code, transactionMM+MM+
50Currency code, settlementCC+CC+
51Currency code, card holder billingCC+CC+
54Additional Amounts--O--O
55Chip dataCCCC
56Customer Related DataCC+CC+
61POS DataM--M--
90Original Data ElementM--M--
102Account Identification 1OOOO

Table 13: Refund Message

5.5.5 Preauthorization​

The table below describes Preauthorization message.

DE FieldDescription0100 (Acquirer ➡ NCHL)0110 (NCHL ➡ Acquirer)0100 (NCHL ➡ Issuer)0110 (Issuer ➡ NCHL)
1Secondary bit mapCCCC
2Primary Account NumberMM+MM+
3Processing CodeMM+MM+
4Amount, TransactionMM+MM+
5Amount, SettlementCC+CC+
6Amount, card holder billingCC+CC+
7Date/time transmissionMM+MM+
9Conversion rate, SettlementCC+CC+
10Conversion rate, card holder billingCC+CC+
11System trace audit numberMM+MM+
12Time, local transactionMM+MM+
13Date, local transactionMM+MM+
14Date, expiryC--C--
15Date, SettlementCC+CC+
16Date, conversionCC+CC+
18Merchant category codeMM+MM+
19Acquiring institution country codeMM+MM+
22POS entry modeM--M--
23Card sequence numberCC+CC+
25POS condition codeM--M--
28Amount, FeeCC+CC+
29Amount, FeeCCCC
32Acquiring institution codeMM+MM+
33Forwarding institution codeCC+CC+
35Track 2 dataC--C--
37Retrieval reference numberMM+MM+
38Authorization code--M--M
39Response code--M--M
41Card acceptor terminal IDMM+MM+
42Card acceptor IDM--M--
43Card acceptor name / locationM--M--
44Additional Response Data--C----
45Track 1 dataC--C--
48Additional Data 1M--M--
49Currency code, transactionMM+MM+
50Currency code, settlementCC+CC+
51Currency code, card holder billingCC+CC+
52PIN dataC--C--
54Additional Amounts--O--O
55Chip dataCCCC
56Customer Related DataCC+CC+
61POS DataM--M--
102Account Identification 1OOOO

Table 14: Preauthorization Message

5.5.6 Preauthorization Reversal​

The table below describes Preauthorization Reversal message.

DE FieldDescription0420 (Acquirer ➡ NCHL)0430 (NCHL ➡ Acquirer)0420 (NCHL ➡ Issuer)0430 (Issuer ➡ NCHL)
1Secondary bit mapCCCC
2Primary Account NumberMM+MM+
3Processing CodeMM+MM+
4Amount, TransactionMM+MM+
5Amount, SettlementCC+CC+
6Amount, card holder billingCC+CC+
7Date/time transmissionMM+MM+
9Conversion rate, SettlementCC+CC+
10Conversion rate, card holder billingCC+CC+
11System trace audit numberMM+MM+
12Time, local transactionMM+MM+
13Date, local transactionMM+MM+
15Date, SettlementCC+CC+
16Date, conversionCC+CC+
18Merchant category codeMM+MM+
19Acquiring institution country codeMM+MM+
22POS entry modeM--M--
23Card sequence numberCC+CC+
25POS condition codeM--M--
28Amount, FeeCC+CC+
29Amount, FeeCCCC
32Acquiring institution codeMM+MM+
33Forwarding institution codeCC+CC+
37Retrieval reference numberMM+MM+
38Authorization code--M--M
39Response codeMMMM
41Card acceptor terminal IDMM+MM+
42Card acceptor IDM--M--
43Card acceptor name / locationM--M--
44Additional Response Data--C----
48Additional Data 1M--M--
49Currency code, transactionMM+MM+
50Currency code, settlementCC+CC+
51Currency code, card holder billingCC+CC+
54Additional Amounts--O--O
55Chip dataCCCC
56Customer Related DataCC+CC+
61POS DataM--M--
90Original Data ElementMM+MM+
102Account Identification 1OOOO

Table 15: Preauthorization Reversal Message

5.5.7 Preauthorization Cancellation​

The table below describes Preauthorization Cancellation message.

DE FieldDescription0420 (Acquirer ➡ NCHL)0430 (NCHL ➡ Acquirer)0420 (NCHL ➡ Issuer)0430 (Issuer ➡ NCHL)
1Secondary bit mapCCCC
2Primary Account NumberMM+MM+
3Processing CodeMM+MM+
4Amount, TransactionMM+MM+
5Amount, SettlementCC+CC+
6Amount, card holder billingCC+CC+
7Date/time transmissionMM+MM+
9Conversion rate, SettlementCC+CC+
10Conversion rate, card holder billingCC+CC+
11System trace audit numberMM+MM+
12Time, local transactionMM+MM+
13Date, local transactionMM+MM+
15Date, SettlementCC+CC+
16Date, conversionCC+CC+
18Merchant category codeMM+MM+
19Acquiring institution country codeMM+MM+
22POS entry mode--M--M
23Card sequence numberCC+CC+
25POS condition code--M--M
28Amount, FeeCC+CC+
29Amount, FeeCCCC
32Acquiring institution codeMM+MM+
33Forwarding institution codeCC+CC+
37Retrieval reference numberMM+MM+
38Authorization code--M--M
42Card acceptor IDM--M--
43Card acceptor name / locationM--M--
44Additional Response Data--C--C
48Additional Data 1M--M--
49Currency code, transactionMM+MM+
50Currency code, settlementCC+CC+
51Currency code, card holder billingCC+CC+
54Additional Amounts--O--O
55Chip dataCCCC
56Customer Related DataCC+CC+
61POS DataM--M--
90Original Data ElementMM+MM+
102Account Identification 1OOOO

Table 16: Preauthorization Cancellation Message

5.5.8 Preauthorization Completion​

The table below describes Preauthorization Completion message.

DE FieldDescription0100 (Acquirer ➡ NCHL)0110 (NCHL ➡ Acquirer)0100 (NCHL ➡ Issuer)0110 (Issuer ➡ NCHL)
1Secondary bit mapCCCC
2Primary Account NumberMM+MM+
3Processing CodeMM+MM+
4Amount, TransactionMM+MM+
5Amount, SettlementCC+CC+
6Amount, card holder billingCC+CC+
7Date/time transmissionMM+MM+
9Conversion rate, SettlementCC+CC+
10Conversion rate, card holder billingCC+CC+
11System trace audit numberMM+MM+
12Time, local transactionMM+MM+
13Date, local transactionMM+MM+
14Date, expiryC--C--
15Date, SettlementCC+CC+
16Date, conversionCC+CC+
18Merchant category codeMM+MM+
19Acquiring institution country codeMM+MM+
22POS entry modeM--M--
23Card sequence numberCC+CC+
25POS condition codeM--M--
28Amount, FeeCC+CC+
29Amount, FeeCCCC
32Acquiring institution codeMM+MM+
33Forwarding institution codeCC+CC+
35Track 2 dataC--C--
37Retrieval reference numberMM+MM+
38Authorization code--M--M
39Response code--M--M
41Card acceptor terminal IDMM+MM+
42Card acceptor IDM--M--
44Additional Response Data--C--C
45Track 1 dataC--C--
48Additional Data 1M--M--
49Currency code, transactionMM+MM+
50Currency code, settlementCC+CC+
51Currency code, card holder billingCC+CC+
52PIN dataC--C--
54Additional Amounts--O--O
55Chip dataCCCC
56Customer Related DataCC+CC+
61POS DataM--M--
102Account Identification 1OOOO

Table 17: Preauthorization Completion Message

5.5.9 Purchase with Cashback​

The table below describes Purchase with Cashback message.

DE FieldDescription0100 (Acquirer ➝ NCHL)0110 (NCHL ➝ Acquirer)0100 (NCHL ➝ Issuer)0110 (Issuer ➝ NCHL)
1Secondary bit mapCCCC
2Primary Account NumberMM+MM+
3Processing CodeMM+MM+
4Amount, TransactionMM+MM+
5Amount, SettlementCC+CC+
6Amount, card holder billingCC+CC+
7Date/time transmissionMM+MM+
9Conversion rate, SettlementCC+CC+
10Conversion rate, card holder billingCC+CC+
11System trace audit numberMM+MM+
12Time, local transactionMM+MM+
13Date, local transactionMM+MM+
14Date, expiryC--C--
15Date, SettlementCC+CC+
16Date, conversionCC+CC+
18Merchant category codeMM+MM+
19Acquiring institution country codeMM+MM+
22POS entry mode--M--M
23Card sequence numberCC+CC+
25POS condition code--M--M
28Amount, FeeCC+CC+
29Amount, FeeCCCC
32Acquiring institution codeMM+MM+
33Forwarding institution codeCC+CC+
35Track 2 data--C--C
37Retrieval reference numberMM+MM+
38Authorization code--M--M
39Response code--M--M
41Card acceptor terminal IDMM+MM+
42Card acceptor IDM--M--
43Card acceptor name / locationM--M--
44Additional Response Data--C--C
45Track 1 dataC--C--
48Additional Data 1M--M--
49Currency code, transactionMM+MM+
50Currency code, settlementCC+CC+
51Currency code, card holder billingCC+CC+
52PIN dataC--C--
54Additional Amounts (Cashback)MM+MM+
55Chip dataCCCC
56Customer Related DataCC+CC+
61POS DataM--M--
102Account Identification 1OOOO

Table 18: Purchase with Cashback Message

5.5.10 Purchase with TIP (Gratuity)​

The table below describes Purchase with TIP message.

DE FieldDescription0100011001000110
1Secondary bit mapCCCC
2Primary Account NumberMM+MM+
3Processing CodeMM+MM+
4Amount, TransactionMM+MM+
5Amount, SettlementCC+CC+
6Amount, card holder billingCC+CC+
7Date/time transmissionMM+MM+
9Conversion rate, SettlementCC+CC+
10Conversion rate, card holder billingCC+CC+
11System trace audit numberMM+MM+
12Time, local transactionMM+MM+
13Date, local transactionMM+MM+
14Date, expiryC--C--
15Date, SettlementCC+CC+
16Date, conversionCC+CC+
18Merchant category codeMM+MM+
19Acquiring institution country codeMM+MM+
22POS entry modeM--M--
23Card sequence numberCC+CC+
25POS condition codeM--M--
28Amount, FeeCC+CC+
29Amount, FeeCCCC
32Acquiring institution codeMM+MM+
33Forwarding institution codeCC+CC+
35Track 2 dataC--C--
37Retrieval reference numberMM+MM+
38Authorization code--M--M
39Response code--M--M
41Card acceptor terminal IDMM+MM+
42Card acceptor IDM--M--
43Card acceptor name / locationM--M--
44Additional Response Data--C--C
45Track 1 dataC--C--
48Additional Data 1M--M--
49Currency code, transactionMM+MM+
50Currency code, settlementCC+CC+
51Currency code, card holder billingCC+CC+
52PIN dataC--C--
54Additional Amounts (Tips)MM+MM+
55Chip dataCCCC
56Customer Related DataCC+CC+
61POS DataM--M--
102Account Identification 1OOOO

Table 19: Purchase with TIP (Gratuity) Message

5.5.11 Balance Inquiry​

The table below describes Balance Inquiry message.

DE FieldDescription0100/02000110/02100100/02000110/0210
1Secondary bit mapCCCC
2Primary Account NumberMM+MM+
3Processing CodeMM+MM+
4Amount, TransactionMM+MM+
5Amount, SettlementCC+CC+
6Amount, card holder billingCC+CC+
7Date/time transmissionMM+MM+
9Conversion rate, SettlementCC+CC+
10Conversion rate, card holder billingCC+CC+
11System trace audit numberMM+MM+
12Time, local transactionMM+MM+
13Date, local transactionMM+MM+
14Date, expiryC--C--
15Date, SettlementCC+CC+
16Date, conversionCC+CC+
18Merchant category codeMM+MM+
19Acquiring institution country codeMM+MM+
22POS entry modeM--M--
23Card sequence numberCC+CC+
25POS condition codeM--M--
28Amount, FeeCC+CC+
29Amount, FeeCCCC
32Acquiring institution codeMM+MM+
33Forwarding institution codeCC+CC+
35Track 2 dataC--C--
37Retrieval reference numberMM+MM+
38Authorization code--M--M
39Response code--M--M
41Card acceptor terminal IDMM+MM+
42Card acceptor IDM--M--
43Card acceptor name / locationM--M--
44Additional Response Data--C--C
45Track 1 dataC--C--
48Additional Data 1M--M--
49Currency code, transactionMM+MM+
50Currency code, settlementCC+CC+
51Currency code, card holder billingCC+CC+
52PIN dataC--C--
54Additional Amounts--M--M
55Chip dataCCCC
56Customer Related DataCC+CC+
61POS DataM--M--
102Account Identification 1OOOO

Table 20: Balance Inquiry Message

5.5.12 Cash Withdrawal/ Fast Cash - ATM​

The table below describes Cash Withdrawal / Fast Cash - ATM message.

DE FieldDescription02000210
1Secondary bit mapCC
2Primary Account NumberMM+
3Processing CodeMM+
4Amount, TransactionMM+
5Amount, SettlementCC+
6Amount, card holder billingCC+
7Date/time transmissionMM+
9Conversion rate, SettlementCC+
10Conversion rate, card holder billingCC+
11System trace audit numberMM+
12Time, local transactionMM+
13Date, local transactionMM+
14Date, expiryC--
15Date, SettlementCC+
16Date, conversionCC+
18Merchant category codeMM+
19Acquiring institution country codeMM+
22POS entry mode--M
23Card sequence numberCC+
25POS condition code--M
28Amount, FeeCC+
29Amount, FeeCC
32Acquiring institution codeMM+
33Forwarding institution codeCC+
35Track 2 dataC--
37Retrieval reference numberMM+
38Authorization code--M
39Response code--M
41Card acceptor terminal IDMM+
42Card acceptor IDM--
43Card acceptor name / locationM--
44Additional Response Data--C
45Track 1 dataC--
48Additional Data 1M--
49Currency code, transactionMM+
50Currency code, settlementCC+
51Currency code, card holder billingCC+
52PIN dataC--
54Additional Amounts--O
55Chip dataCC
56Customer Related DataCC+
61POS DataM--
102Account Identification 1OO

Table 21: Cash Withdrawal/ Fast Cash - ATM Message

5.5.13 Mini Statement​

The table below describes Mini Statement message.

DE FieldDescription0100/02000110/0210
1Secondary bit mapCC
2Primary Account NumberMM+
3Processing CodeMM+
4Amount, TransactionMM+
5Amount, SettlementCC+
6Amount, card holder billingCC+
7Date/time transmissionMM+
9Conversion rate, SettlementCC+
10Conversion rate, card holder billingCC+
11System trace audit numberMM+
12Time, local transactionMM+
13Date, local transactionMM+
14Date, expiryC--
15Date, SettlementCC+
16Date, conversionCC+
18Merchant category codeMM+
19Acquiring institution country codeMM+
22POS entry modeM--
23Card sequence numberCC+
25POS condition codeM--
28Amount, FeeCC+
29Amount, FeeCC
32Acquiring institution codeMM+
33Forwarding institution codeCC+
35Track 2 dataC--
37Retrieval reference numberMM+
38Authorization code--M
39Response code--M
41Card acceptor terminal IDMM+
42Card acceptor IDM--
43Card acceptor name / locationM--
44Additional Response Data--C
45Track 1 dataC--
48Additional Data 1M--
49Currency code, transactionMM+
50Currency code, settlementCC+
51Currency code, card holder billingCC+
52PIN dataC--
54Additional Amounts--O
55Chip dataCC
56Customer Related DataCC+
61POS DataM--
102Account Identification 1OO
120Additional Data 2--M

Table 22: Mini Statement Message

5.5.14 PIN Change​

The table below describes PIN Change message.

DE FieldDescription0100/02000110/0210
1Secondary bit mapCC
2Primary Account NumberMM+
3Processing CodeMM+
4Amount, TransactionMM+
5Amount, SettlementCC+
6Amount, card holder billingCC+
7Date/time transmissionMM+
11System trace audit numberMM+
12Time, local transactionMM+
13Date, local transactionMM+
14Date, expiryC--
15Date, SettlementCC+
16Date, conversionCC+
18Merchant category codeMM+
19Acquiring institution country codeMM+
22POS entry mode--M
23Card sequence numberC+C
25POS condition code--M
28Amount, FeeC+C
29Amount, FeeCC
32Acquiring institution codeM+M
33Forwarding institution codeC+C
35Track 2 data--C
37Retrieval reference numberM+M
38Authorization code--M
39Response code--M
41Card acceptor terminal IDM+M
42Card acceptor ID--M
43Card acceptor name / location--M
44Additional Response Data--C
45Track 1 dataC--
48Additional Data 1--M
49Currency code, transactionM+M
50Currency code, settlementC+C
52PIN data--C
55Chip dataCC
56Customer Related DataC+C
61POS Data--M
102Account Identification 1OO
120Additional Data 2--M

Table 23: PIN Change Message

5.5.15 Reversal – ATM Cash withdrawal/ Fast Cash​

The table below describes Reversal – ATM Cash withdrawal/ Fast Cash message.

DE FieldDescription0420043004200430
1Secondary bit mapCCCC
2Primary Account NumberMM+MM+
3Processing CodeMM+MM+
4Amount, TransactionMM+MM+
5Amount, SettlementCC+CC+
6Amount, card holder billingCC+CC+
7Date/time transmissionMM+MM+
9Conversion rate, SettlementCC+CC+
10Conversion rate, card holder billingCC+CC+
11System trace audit numberMM+MM+
12Time, local transactionMM+MM+
13Date, local transactionMM+MM+
15Date, SettlementCC+CC+
16Date, conversionCC+CC+
18Merchant category codeMM+MM+
19Acquiring institution country codeMM+MM+
22POS entry mode--M--M
23Card sequence numberCC+CC+
25POS condition codeM--M--
28Amount, FeeCC+CC+
29Amount, FeeCCCC
32Acquiring institution codeMM+MM+
33Forwarding institution codeCC+CC+
37Retrieval reference numberMM+MM+
38Authorization code--M--M
39Response codeMMMM
41Card acceptor terminal IDMM+MM+
42Card acceptor ID--M--M
43Card acceptor name / location--M--M
44Additional Response Data--C--C
48Additional Data 1M--M--
49Currency code, transactionMM+MM+
50Currency code, settlementCC+CC+
51Currency code, card holder billingCC+CC+
54Additional Amounts--O--O
55Chip dataCCCC
56Customer Related DataCC+CC+
61POS DataM--M--
90Original Data ElementMM+MM+
102Account Identification 1OOOO

Table 24: Reversal – ATM Cash withdrawal/ Fast Cash Message

5.5.16 Cheque Book Request​

The table below describes Cheque Book Request message.

DE FieldDescription0200 (Acquirer ➔ NCHL)0210 (NCHL ➔ Acquirer)0200 (NCHL ➔ Issuer)0210 (Issuer ➔ NCHL)
1Secondary bit mapCCCC
2Primary Account NumberMM+MM+
3Processing CodeMM+MM+
4Amount, TransactionMM+MM+
5Amount, SettlementCC+CC+
6Amount, card holder billingCC+CC+
7Date/time transmissionMM+MM+
9Conversion rate, SettlementCC+CC+
10Conversion rate, card holder billingCC+CC+
11System trace audit numberMM+MM+
12Time, local transactionMM+MM+
13Date, local transactionMM+MM+
14Date, expiryC--C--
15Date, SettlementCC+CC+
16Date, conversionCC+CC+
18Merchant category codeMM+MM+
19Acquiring institution country codeMM+MM+
22POS entry modeM--M--
23Card sequence numberCC+CC+
25POS condition codeM--M--
28Amount, FeeCC+CC+
29Amount, FeeCCCC
32Acquiring institution codeMM+MM+
33Forwarding institution codeCC+CC+
35Track 2 dataC--C--
37Retrieval reference numberMM+MM+
38Authorization code--M--M
39Response code--M--M
41Card acceptor terminal IDMM+MM+
42Card acceptor IDM--M--
43Card acceptor name / locationM--M--
44Additional Response Data--C----
45Track 1 dataC--C--
48Additional Data 1M--M--
49Currency code, transactionMM+MM+
50Currency code, settlementCC+CC+
51Currency code, card holder billingCC+CC+
52PIN dataC--C--
55Chip dataCCCC
56Customer Related DataCC+CC+
61POS DataM--M--
102Account Identification 1OOOO
120Additional Data 2CC+CC+

Table 25: Cheque Book Request Message

5.5.17 Statement Request​

The table below describes Statement Request message.

DE FieldDescription0200 (Acquirer ➔ NCHL)0210 (NCHL ➔ Acquirer)0200 (NCHL ➔ Issuer)0210 (Issuer ➔ NCHL)
1Secondary bit mapCCCC
2Primary Account NumberMM+MM+
3Processing CodeMM+MM+
4Amount, TransactionMM+MM+
5Amount, SettlementCC+CC+
6Amount, card holder billingCC+CC+
7Date/time transmissionMM+MM+
9Conversion rate, SettlementCC+CC+
10Conversion rate, card holder billingCC+CC+
11System trace audit numberMM+MM+
12Time, local transactionMM+MM+
13Date, local transactionMM+MM+
14Date, expiryC--C--
15Date, SettlementCC+CC+
16Date, conversionCC+CC+
18Merchant category codeMM+MM+
19Acquiring institution country codeMM+MM+
22POS entry modeM--M--
23Card sequence numberCC+CC+
25POS condition codeM--M--
28Amount, FeeCC+CC+
29Amount, FeeCCCC
32Acquiring institution codeMM+MM+
33Forwarding institution codeCC+CC+
35Track 2 dataC--C--
37Retrieval reference numberMM+MM+
38Authorization code--M--M
39Response code--M--M
41Card acceptor terminal IDMM+MM+
42Card acceptor IDM--M--
43Card acceptor name / locationM--M--
44Additional Response Data--C----
45Track 1 dataC--C--
48Additional Data 1M--M--
49Currency code, transactionMM+MM+
50Currency code, settlementCC+CC+
51Currency code, card holder billingCC+CC+
52PIN dataC--C--
55Chip dataCCCC
56Customer Related DataCC+CC+
61POS DataM--M--
102Account Identification 1OOOO
120Additional Data 2CC+CC+

Table 26: Statement Request Message

5.5.18 Fund Transfer​

5.5.18.1 Fund Transfer Debit Leg​

The table below describes Fund Transfer Debit Leg message.

DE FieldDescription0200 (Acquirer ➔ NCHL)0210 (NCHL ➔ Acquirer)0200 (NCHL ➔ Issuer)0210 (Issuer ➔ NCHL)
1Secondary bit mapCCCC
2Primary Account NumberMM+MM+
3Processing CodeMM+MM+
4Amount, TransactionMM+MM+
5Amount, SettlementCC+CC+
6Amount, card holder billingCC+CC+
7Date/time transmissionMM+MM+
9Conversion rate, SettlementCC+CC+
10Conversion rate, card holder billingCC+CC+
11System trace audit numberMM+MM+
12Time, local transactionMM+MM+
13Date, local transactionMM+MM+
14Date, expiryC--C--
15Date, SettlementCC+CC+
16Date, conversionCC+CC+
18Merchant category codeMM+MM+
19Acquiring institution country codeMM+MM+
22POS entry modeM--M--
23Card sequence numberCC+CC+
25POS condition codeM--M--
28Amount, FeeCC+CC+
28Amount, FeeCC+CC+
29Amount, FeeCCCC
32Acquiring institution codeMM+MM+
33Forwarding institution codeCC+CC+
35Track 2 dataC--C--
37Retrieval reference numberMM+MM+
38Authorization code--M--M
39Response code--M--M
41Card acceptor terminal IDMM+MM+
42Card acceptor IDM--M--
43Card acceptor name / locationM--M--
44Additional Response Data--C----
45Track 1 dataC--C--
48Additional Data 1M--M--
49Currency code, transactionMM+MM+
50Currency code, settlementCC+CC+
51Currency code, card holder billingCC+CC+
52PIN dataC--C--
55Chip dataCCCC
56Customer Related DataCC+CC+
61POS DataM--M--
102Account Identification 1OOOO
103Account Identification 2OOOO
120Additional Data 2CC+CC+
Table 27: Fund Transfer Debit Leg Message

5.5.18.2 Fund Transfer Credit Leg​

The table below describes Fund Transfer Credit Leg message.

DE FieldDescription0200 (Acquirer ➔ NCHL)0210 (NCHL ➔ Acquirer)0200 (NCHL ➔ Issuer)0210 (Issuer ➔ NCHL)
1Secondary bit mapCCCC
2Primary Account NumberMM+MM+
3Processing CodeMM+MM+
4Amount, TransactionMM+MM+
5Amount, SettlementCC+CC+
6Amount, card holder billingCC+CC+
7Date/time transmissionMM+MM+
9Conversion rate, SettlementCC+CC+
10Conversion rate, card holder billingCC+CC+
11System trace audit numberMM+MM+
12Time, local transactionMM+MM+
13Date, local transactionMM+MM+
14Date, expiryC--C--
15Date, SettlementCC+CC+
16Date, conversionCC+CC+
18Merchant category codeMM+MM+
19Acquiring institution country codeMM+MM+
22POS entry modeM--M--
23Card sequence numberCC+CC+
25POS condition codeM--M--
28Amount, FeeCC+CC+
29Amount, FeeCCCC
32Acquiring institution codeMM+MM+
33Forwarding institution codeCC+CC+
35Track 2 dataC--C--
37Retrieval reference numberMM+MM+
38Authorization code--M--M
39Response code--M--M
41Card acceptor terminal IDMM+MM+
42Card acceptor IDM--M--
43Card acceptor name / locationM--M--
44Additional Response Data--C----
45Track 1 dataC--C--
48Additional Data 1M--M--
49Currency code, transactionMM+MM+
50Currency code, settlementCC+CC+
51Currency code, card holder billingCC+CC+
52PIN dataC--C--
55Chip dataCCCC
56Customer Related DataCC+CC+
61POS DataM--M--
102Account Identification 1OOOO
103Account Identification 2OOOO
120Additional Data 2CC+CC+

Table 28: Fund Transfer Credit Leg Message

5.5.19 e-commerce Purchase​

The table below describes e-commerce Purchase message.

DE FieldDescription0100 (Acquirer ➔ NCHL)0110 (NCHL ➔ Acquirer)0100 (NCHL ➔ Issuer)0110 (Issuer ➔ NCHL)
1Secondary bit mapCCCC
2Primary Account NumberMM+MM+
3Processing CodeMM+MM+
4Amount, TransactionMM+MM+
5Amount, SettlementCC+CC+
6Amount, card holder billingCC+CC+
7Date/time transmissionMM+MM+
9Conversion rate, SettlementCC+CC+
10Conversion rate, card holder billingCC+CC+
11System trace audit numberMM+MM+
12Time, local transactionMM+MM+
13Date, local transactionMM+MM+
14Date, expiryC--C--
15Date, SettlementCC+CC+
16Date, conversionCC+CC+
18Merchant category codeMM+MM+
19Acquiring institution country codeMM+MM+
22POS entry modeM--M--
23Card sequence numberCC+CC+
25POS condition codeM--M--
28Amount, FeeCC+CC+
29Amount, FeeCCCC
32Acquiring institution codeMM+MM+
33Forwarding institution codeCC+CC+
35Track 2 dataC--C--
37Retrieval reference numberMM+MM+
38Authorization code--M--M
39Response code--M--M
41Card acceptor terminal IDMM+MM+
42Card acceptor IDM--M--
43Card acceptor name / locationM--M--
44Additional Response Data--C----
45Track 1 dataC--C--
48Additional Data 1M--M--
49Currency code, transactionMM+MM+
50Currency code, settlementCC+CC+
51Currency code, card holder billingCC+CC+
52PIN dataC--C--
54Additional Amounts--O--O
55Chip dataCCCC
56Customer Related DataCC+CC+
61POS DataM--M--
102Account Identification 1OOOO

Table 29: e-commerce Purchase Message

5.5.20 Account Verification​

The table below describes Account Verification message.

DE FieldDescription0100 (Acquirer ➔ NCHL)0110 (NCHL ➔ Acquirer)0200 (Acquirer ➔ Issuer)0210 (Issuer ➔ Acquirer)
1Secondary bit mapCCCC
2Primary Account NumberMM+MM+
3Processing CodeMM+MM+
4Amount, TransactionMM+MM+
5Amount, SettlementCC+CC+
6Amount, card holder billingCC+CC+
7Date/time transmissionMM+MM+
9Conversion rate, SettlementCC+CC+
10Conversion rate, card holder billingCC+CC+
11System trace audit numberMM+MM+
12Time, local transactionMM+MM+
13Date, local transactionMM+MM+
14Date, expiryC--C--
15Date, SettlementCC+CC+
16Date, conversionCC+CC+
18Merchant category codeMM+MM+
19Acquiring institution country codeMM+MM+
22POS entry modeM--M--
25POS condition codeM--M--
28Amount, FeeCC+CC+
29Amount, FeeCCCC
32Acquiring institution codeMM+MM+
33Forwarding institution codeCC+CC+
37Retrieval reference numberMM+MM+
38Authorization code--M--M
39Response code--M--M
41Card acceptor terminal IDMM+MM+
42Card acceptor IDM--M--
43Card acceptor name / locationM--M--
44Additional Response Data--C----
48Additional Data 1M--M--
49Currency code, transactionMM+MM+
50Currency code, settlementCC+CC+
51Currency code, card holder billingCC+CC+
56Customer Related DataCC+CC+
61POS DataM--M--
63Account Verification Service (AVS)C--C--
102Account Identification 1OOOO

Table 30: Account Verification Transaction Message

5.5.21 Original Credit Transaction (OCT)​

The table below describes Original Credit Transaction (OCT) message.

DE FieldDescription0100 (Acquirer ➔ NCHL)0110 (NCHL ➔ Acquirer)0200 (NCHL ➔ Issuer)0210 (Issuer ➔ NCHL)
1Secondary bit mapCCCC
2Primary Account NumberMM+MM+
3Processing CodeMM+MM+
4Amount, TransactionMM+MM+
5Amount, SettlementCC+CC+
6Amount, card holder billingCC+CC+
7Date/time transmissionMM+MM+
9Conversion rate, SettlementCC+CC+
10Conversion rate, card holder billingCC+CC+
11System trace audit numberMM+MM+
12Time, local transactionMM+MM+
13Date, local transactionMM+MM+
14Date, expiryC--C--
15Date, SettlementCC+CC+
16Date, conversionCC+CC+
18Merchant category codeMM+MM+
19Acquiring institution country codeMM+MM+
22POS entry modeM--M--
25POS condition codeM--M--
28Amount, FeeCC+CC+
29Amount, FeeCCCC
32Acquiring institution codeMM+MM+
33Forwarding institution codeCC+CC+
37Retrieval reference numberMM+MM+
38Authorization code--M--M
39Response code--M--M
41Card acceptor terminal IDMM+MM+
42Card acceptor IDM--M--
43Card acceptor name / locationM--M--
44Additional Response Data--C----
48Additional Data 1M--M--
49Currency code, transactionMM+MM+
50Currency code, settlementCC+CC+
51Currency code, card holder billingCC+CC+
56Customer Related DataCC+CC+
61POS DataM--M--
104OCT DataCC+CC+

Table 31: Original Credit Transaction Message

5.5.22 e-commerce Bill Payment​

The table below describes e-commerce Bill Payment message.

DE FieldDescription0100/02000110/02100100/02000110/0210
1Secondary bit mapCCCC
2Primary Account NumberMM+MM+
3Processing CodeMM+MM+
4Amount, TransactionMM+MM+
5Amount, SettlementCC+CC+
6Amount, card holder billingCC+CC+
7Date/time transmissionMM+MM+
9Conversion rate, SettlementCC+CC+
10Conversion rate, card holder billingCC+CC+
11System trace audit numberMM+MM+
12Time, local transactionMM+MM+
13Date, local transactionMM+MM+
14Date, expiryC--C--
15Date, SettlementCC+CC+
16Date, conversionCC+CC+
18Merchant category codeMM+MM+
19Acquiring institution country codeMM+MM+
22POS entry modeM--M--
23Card sequence numberCC+CC+
25POS condition codeM--M--
28Amount, FeeCC+CC+
29Amount, FeeCCCC
32Acquiring institution codeMM+MM+
33Forwarding institution codeCC+CC+
35Track 2 dataC--C--
37Retrieval reference numberMM+MM+
38Authorization code--M--M
39Response code--M--M
41Card acceptor terminal IDMM+MM+
42Card acceptor IDM--M--
43Card acceptor name / locationM--M--
44Additional Response Data--C----
45Track 1 dataC--C--
48Additional Data 1M--M--
49Currency code, transactionMM+MM+
50Currency code, settlementCC+CC+
51Currency code, card holder billingCC+CC+
52PIN dataC--C--
55Chip dataCCCC
56Customer Related DataCC+CC+
61POS DataM--M--
102Account Identification 1OOOO
120Additional Data 2CC+CC+

Table 32: e-commerce Bill Payment Message

5.5.23 e-commerce Payment (Government Revenue Payment)​

The table below describes e-commerce Payment (Government Revenue Payment) message.

DE FieldDescription0100/02000110/02100100/02000110/0210
1Secondary bit mapCCCC
2Primary Account NumberMM+MM+
3Processing CodeMM+MM+
4Amount, TransactionMM+MM+
5Amount, SettlementCC+CC+
6Amount, card holder billingCC+CC+
7Date/time transmissionMM+MM+
9Conversion rate, SettlementCC+CC+
10Conversion rate, card holder billingCC+CC+
11System trace audit numberMM+MM+
12Time, local transactionMM+MM+
13Date, local transactionMM+MM+
14Date, expiryC--C--
15Date, SettlementCC+CC+
16Date, conversionCC+CC+
18Merchant category codeMM+MM+
19Acquiring institution country codeMM+MM+
22POS entry modeM--M--
23Card sequence numberCC+CC+
25POS condition codeM--M--
28Amount, FeeCC+CC
29Amount, FeeCCCC
32Acquiring institution codeMM+MM+
33Forwarding institution codeCC+CC+
35Track 2 dataC--C--
37Retrieval reference numberMM+MM+
38Authorization code--M--M
39Response code--M--M
41Card acceptor terminal IDMM+MM+
42Card acceptor IDM--M--
43Card acceptor name / locationM--M--
44Additional Response Data--C----
45Track 1 dataC--C--
48Additional Data 1M--M--
49Currency code, transactionMM+MM+
50Currency code, settlementCC+CC+
51Currency code, card holder billingCC+CC+
52PIN dataC--C--
55Chip dataCCCC
56Customer Related DataCC+CC+
61POS DataM--M--
102Account Identification 1OOOO
120Additional Data 2CC+CC+

Table 33: e-commerce Payment (Government Revenue Payment) Message

5.5.24 e-commerce Payment (Recurring Payment)​

The table below describes e-commerce Payment (Recurring Payment) message.

DE FieldDescription0100/0200 (Acquirer ➔ NCHL)0110/0210 (NCHL ➔ Acquirer)0100/0200 (NCHL ➔ Issuer)0110/0210 (Issuer ➔ NCHL)
1Secondary bit mapCCCC
2Primary Account NumberMM+MM+
3Processing CodeMM+MM+
4Amount, TransactionMM+MM+
5Amount, SettlementCC+CC+
6Amount, card holder billingCC+CC+
7Date/time transmissionMM+MM+
9Conversion rate, SettlementCC+CC+
10Conversion rate, card holder billingCC+CC+
11System trace audit numberMM+MM+
12Time, local transactionMM+MM+
13Date, local transactionMM+MM+
14Date, expiryC--C--
15Date, SettlementCC+CC+
16Date, conversionCC+CC+
18Merchant category codeMM+MM+
19Acquiring institution country codeMM+MM+
22POS entry modeM--M--
23Card sequence numberCC+CC+
25POS condition codeM--M--
28Amount, FeeCC+CC
29Amount, FeeCCCC
32Acquiring institution codeMM+MM+
33Forwarding institution codeCC+CC+
35Track 2 dataC--C--
37Retrieval reference numberMM+MM+
38Authorization code--M--M
39Response code--M--M
41Card acceptor terminal IDMM+MM+
42Card acceptor IDM--M--
43Card acceptor name / locationM--M--
44Additional Response Data--C----
45Track 1 dataC--C--
48Additional Data 1M--M--
49Currency code, transactionMM+MM+
50Currency code, settlementCC+CC+
51Currency code, card holder billingCC+CC+
52PIN dataC--C--
55Chip dataCCCC
56Customer Related DataCC+CC+
61POS DataM--M--
102Account Identification 1OOOO
120Additional Data 2CC+CC+

Table 34: e-commerce Payment (Recurring Payment) Message

5.5.25 e-commerce Payment (Insurance Payment)​

The table below describes e-commerce Payment (Insurance Payment) message.

DE FieldDescription0100/0200 (Acquirer ➔ NCHL)0110/0210 (NCHL ➔ Acquirer)0100/0200 (NCHL ➔ Issuer)0110/0210 (Issuer ➔ NCHL)
1Secondary bit mapCCCC
2Primary Account NumberMM+MM+
3Processing CodeMM+MM+
4Amount, TransactionMM+MM+
5Amount, SettlementCC+CC+
6Amount, card holder billingCC+CC+
7Date/time transmissionMM+MM+
9Conversion rate, SettlementCC+CC+
10Conversion rate, card holder billingCC+CC+
11System trace audit numberMM+MM+
12Time, local transactionMM+MM+
13Date, local transactionMM+MM+
14Date, expiryC--C--
15Date, SettlementCC+CC+
16Date, conversionCC+CC+
18Merchant category codeMM+MM+
19Acquiring institution country codeMM+MM+
22POS entry modeM--M--
23Card sequence numberCC+CC+
25POS condition codeM--M--
28Amount, FeeCC+CC
29Amount, FeeCCCC
32Acquiring institution codeMM+MM+
33Forwarding institution codeCC+CC+
35Track 2 dataC--C--
37Retrieval reference numberMM+MM+
38Authorization code--M--M
39Response code--M--M
41Card acceptor terminal IDMM+MM+
42Card acceptor IDM--M--
43Card acceptor name / locationM--M--
44Additional Response Data--C----
45Track 1 dataC--C--
48Additional Data 1M--M--
49Currency code, transactionMM+MM+
50Currency code, settlementCC+CC+
51Currency code, card holder billingCC+CC+
52PIN dataC--C--
55Chip dataCCCC
56Customer Related DataCC+CC+
61POS DataM--M--
102Account Identification 1OOOO
120Additional Data 2CC+CC+

Table 35: e-commerce Payment (Insurance Payment) Message

5.5.26 e-commerce Payment (EMI Payment)​

The table below describes e-commerce Payment (EMI Payment) message.

DE FieldDescription0100/0200 (Acquirer ➔ NCHL)0110/0210 (NCHL ➔ Acquirer)0100/0200 (NCHL ➔ Issuer)0110/0210 (Issuer ➔ NCHL)
1Secondary bit mapCCCC
2Primary Account NumberMM+MM+
3Processing CodeMM+MM+
4Amount, TransactionMM+MM+
5Amount, SettlementCC+CC+
6Amount, card holder billingCC+CC+
7Date/time transmissionMM+MM+
9Conversion rate, SettlementCC+CC+
10Conversion rate, card holder billingCC+CC+
11System trace audit numberMM+MM+
12Time, local transactionMM+MM+
13Date, local transactionMM+MM+
14Date, expiryC--C--
15Date, SettlementCC+CC+
16Date, conversionCC+CC+
18Merchant category codeMM+MM+
19Acquiring institution country codeMM+MM+
22POS entry modeM--M--
23Card sequence numberCC+CC+
25POS condition codeM--M--
28Amount, FeeCC+CC+
29Amount, FeeCCCC
32Acquiring institution codeMM+MM+
33Forwarding institution codeCC+CC+
35Track 2 dataC--C--
37Retrieval reference numberMM+MM+
38Authorization code--M--M
39Response code--M--M
41Card acceptor terminal IDMM+MM+
42Card acceptor IDM--M--
43Card acceptor name / locationM--M--
44Additional Response Data--C----
45Track 1 dataC--C--
48Additional Data 1M--M--
49Currency code, transactionMM+MM+
50Currency code, settlementCC+CC+
51Currency code, card holder billingCC+CC+
52PIN dataC--C--
55Chip dataCCCC
56Customer Related DataCC+CC+
61POS DataM--M--
102Account Identification 1OOOO
120Additional Data 2CC+CC+

Table 36: e-commerce Payment (Insurance Payment) Message

5.5.27 e-commerce Payment (Tax Refund)​

The table below describes e-commerce Payment (Tax Refund) message.

DE FieldDescription0100/0200 (Acquirer ➔ NCHL)0110/0210 (NCHL ➔ Acquirer)0100/0200 (NCHL ➔ Issuer)0110/0210 (Issuer ➔ NCHL)
1Secondary bit mapCCCC
2Primary Account NumberMM+MM+
3Processing CodeMM+MM+
4Amount, TransactionMM+MM+
5Amount, SettlementCC+CC+
6Amount, card holder billingCC+CC+
7Date/time transmissionMM+MM+
9Conversion rate, SettlementCC+CC+
10Conversion rate, card holder billingCC+CC+
11System trace audit numberMM+MM+
12Time, local transactionMM+MM+
13Date, local transactionMM+MM+
14Date, expiryC--C--
15Date, SettlementCC+CC+
16Date, conversionCC+CC+
18Merchant category codeMM+MM+
19Acquiring institution country codeMM+MM+
22POS entry modeM--M--
23Card sequence numberCC+CC+
25POS condition codeM--M--
28Amount, FeeCC+CC+
29Amount, FeeCCCC
32Acquiring institution codeMM+MM+
33Forwarding institution codeCC+CC+
35Track 2 dataC--C--
37Retrieval reference numberMM+MM+
38Authorization code--M--M
39Response code--M--M
41Card acceptor terminal IDMM+MM+
42Card acceptor IDM--M--
43Card acceptor name / locationM--M--
44Additional Response Data--C----
45Track 1 dataC--C--
48Additional Data 1M--M--
49Currency code, transactionMM+MM+
50Currency code, settlementCC+CC+
51Currency code, card holder billingCC+CC+
52PIN dataC--C--
55Chip dataCCCC
56Customer Related DataCC+CC+
61POS DataM--M--
102Account Identification 1OOOO
120Additional Data 2CC+CC+

Table 37: Tax Refund Message

5.5.28 Network Management​

5.5.28.1 Network - Echo Message​

The table below describes Network echo message.

DE FieldDescription0800 (Acquirer ➔ NCHL)0810 (NCHL ➔ Acquirer)0800 (NCHL ➔ Issuer)0810 (Issuer ➔ NCHL)
1Secondary bit mapMMMM
7Date/time transmissionMM+MM+
11System trace audit numberMM+MM+
15Date, SettlementCC+CC+
39Response code--M--M
70Network management information codeMM+MM+

Table 38: Network - Echo Message

5.5.28.2 Network – Signon/ Logon Message​

The table below describes Network Signon/ Logon message.

DE FieldDescription0800 (Acquirer ➔ NCHL)0810 (NCHL ➔ Acquirer)0800 (NCHL ➔ Issuer)0810 (Issuer ➔ NCHL)
1Secondary bit mapMMMM
7Date/time transmissionMM+MM+
11System trace audit numberMM+MM+
15Date, SettlementCC+CC+
39Response code--M--M
70Network management information codeMM+MM+

Table 39: Network – Signon/ Logon Message

5.5.28.3 Network – Signoff/ Logoff Message​

The table below describes Network Signoff/ Logoff message.

DE FieldDescription0800 (Acquirer ➔ NCHL)0810 (NCHL ➔ Acquirer)0800 (NCHL ➔ Issuer)0810 (Issuer ➔ NCHL)
1Secondary bit mapMMMM
7Date/time transmissionMM+MM+
11System trace audit numberMM+MM+
15Date, SettlementCC+CC+
39Response code--M--M
70Network management information codeMM+MM+

Table 40: Network – Signoff/ Logoff Message

5.5.28.4 Network – Cutover Message​

The table below describes Network Cutover message.

DE FieldDescription0800 (Acquirer ➔ NCHL)0810 (NCHL ➔ Acquirer)0800 (NCHL ➔ Issuer)0810 (Issuer ➔ NCHL)
1Secondary bit mapMMMM
7Date/time transmissionMM+MM+
11System trace audit numberMM+MM+
15Date, SettlementCC+CC+
39Response code--M--M
70Network management information codeMM+MM+

Table 41: Network – Cutover Message

5.5.28.5 Network – Key Exchange Message​

The table below describes Network Key Exchange message.

DE FieldDescription0800 (Acquirer ➔ NCHL)0810 (NCHL ➔ Acquirer)0800 (NCHL ➔ Issuer)0810 (Issuer ➔ NCHL)
1Secondary bit mapMMMM
7Date/time transmissionMM+MM+
11System trace audit numberMM+MM+
15Date, SettlementCC+CC+
39Response code--M--M
48Additional data (Key Exchange)C--C--
70Network management information codeMM+MM+

Table 42: Network – Key Exchange Message

5.5.29 STIP Advice Message to Issuer​

The table below describes Network Management message.

DE FieldDescription0120 (NCHL ➔ Issuer)0130 (Issuer ➔ NCHL)
1Secondary bit mapCC
2Primary Account NumberMM+
3Processing CodeMM+
4Amount, TransactionMM+
5Amount, SettlementCC+
6Amount, card holder billingCC+
7Date/time transmissionMM+
9Conversion rate, SettlementCC+
10Conversion rate, card holder billingCC+
11System trace audit numberMM+
12Time, local transactionMM+
13Date, local transactionMM+
14Date, expiryC--
15Date, SettlementCC+
16Date, conversionCC+
18Merchant category codeMM+
19Acquiring institution country codeMM+
22POS entry modeM--
23Card sequence numberCC+
25POS condition codeM--
28Amount, FeeCC+
29Amount, FeeCC
32Acquiring institution codeMM+
33Forwarding institution codeCC+
35Track 2 dataC--
37Retrieval reference numberMM+
38Authorization code--M
39Response code--M
41Card acceptor terminal IDMM+
42Card acceptor IDM--
43Card acceptor name / locationM--
48Additional Data 1M--
49Currency code, transactionMM+
50Currency code, settlementCC+
51Currency code, card holder billingCC+
54Additional Amounts--O
56Customer Related DataCC+
61POS DataM--
102Account Identification 1OO
120Additional Data 2CC+
121Additional Data 3 (Advice Reason Code)CC+

Table 43: STIP Advice Message

5.5.30 File Update Message​

5.5.30.1 Card Add File Update Message​

The table below describes File Update message of add card for STIP or VIP purpose.

DE FieldDescription0302 (Issuer → NCHL)0312 (NCHL → Issuer)
1Secondary bit mapCC
2Primary Account NumberMM+
7Date/time transmissionMM+
11System trace audit numberMM+
14Date, expiryC--
15Date, SettlementCC+
23Card sequence numberCC+
33Forwarding Institution CodeCC+
37Retrieval Reference NumberMM+
39Response code--M
91File Update CodeCC+
124File Action Code--C
125File Data RecordC--

Table 44: File Update Message

5.5.30.2 Card Block/ Unblock File Update Message​

The table below describes File Update message of Card block and unblock for STIP or VIP purpose.

DE FieldDescription0302 (Issuer → NCHL)0312 (NCHL → Issuer)
1Secondary bit mapCC
2Primary Account NumberMM+
7Date/time transmissionMM+
11System trace audit numberMM+
15Date, SettlementCC+
33Forwarding Institution CodeCC+
37Retrieval Reference NumberMM+
39Response code--M
91File Update CodeCC+
124File Action Code--C
125File Data RecordC--

Table 45: File Update Message

5.5.30.3 PIN Change File Update Message​

The table below describes File Update message of PIN change for STIP or VIP purpose.

DE FieldDescription0302 (Issuer → NCHL)0312 (NCHL → Issuer)
1Secondary bit mapCC
2Primary Account NumberMM+
7Date/time transmissionMM+
11System trace audit numberMM+
15Date, SettlementCC+
23Card sequence numberCC+
33Forwarding Institution CodeCC+
37Retrieval Reference NumberMM+
39Response code--M
91File Update CodeCC+
124File Action Code--C
125File Data RecordC--

Table 46: File Update Message