4.27 Processing Codes

The Processing code (Proc_Code) is a 6 digit field made up of:

2 characters transaction code. See Transaction Codes.
2 characters source account type code. See Account Type Codes.
2 characters destination account type code. See Account Type Codes.

For transactions initiated via web services or the Cards API, the processing code is formed of:

3 digits load source supplied in the request
3 digits “999”

4.27.1 Transaction Codes

The first two characters of the processing code is the transaction code, as follows:

Value	Description	Impacts Balance
00	Debits (goods and services)	Yes
01	Debits for ATM cash withdrawals (on Visa and Mastercard networks) May also be used for manual cash disbursements Type of transaction where cash is given to the cardholder, for example, from a bank branch by a member of staff using a Point of Sale (POS) terminal. as follows: • Mastercard Authorisation transactions on Maestro cards only • Visa Authorisation and Clearing transactions on Visa cards	Yes
02	Adjustment Credits Indicates a Credit adjustment.	Yes
09	Debits (goods with cash back)	Yes
10	Account Funding	Yes
11	Quasi-Cash Visa-specific quasi-cash transaction. This is used for specific merchants where the purchased items could be converted to cash (e.g., gaming chips, money orders, wire-transfer).	Yes
12	Debits (for manual cash disbursements). Type of transaction where cash is given to the cardholder, for example, from a bank branch by a member of staff using a Point of Sale (POS) terminal. Note: Used for Clearing transactions on Mastercard Credit, Cirrus, Maestro and Mastercard Debit.	Yes
17	Debits (for manual cash disbursements). Type of transaction where cash is given to the cardholder, for example, from a bank branch by a member of staff using a Point of Sale (POS) terminal. Note: Used for Authorisation transactions on Mastercard Credit, Cirrus and Mastercard Debit.	Yes
18	Unique Transaction (requires unique MCC) Mastercard-specific transaction category. Similar to Visa's quasi-cash, this is used for specific merchants where the purchased items could be converted to cash (e.g., gaming chips, money orders).	Yes
19	Debit Adjustments May be received for non-card money transfers (out), manual or one-off balance adjustments or additional fees.	Yes
20	Credits (for refund) / Credit voucher or merchandise return authorisation	Yes
21	Credits (for deposit)	Yes
22	Credits - Card Load	Yes
23	Debits - Card Unload	Yes
26	Original Credits Visa-specific Money Send transaction. Also called an Original Credit Transaction (OCT).	Yes
28	Credits (for Payment Transaction) Mastercard-specific Money Send transaction.	Yes
30	Balance inquiry service	No
32	Visa Tokenisation - Tokenisation Eligibility. Only used by Visa.	No
33	MDES / Visa Tokenisation – Tokenisation Authorisation	No
34	MDES/ Visa Tokenisation – Activation Code Notification	No
35	MDES / Visa Tokenisation – Tokenisation Complete Notification	No
36	MDES / Visa Tokenisation – Token Event Notification. See the ‘Message_Source’ field for which system originated the Token Event. See the ‘Message_Why’ field for what sort of Token Event occurred.	No
37	Visa Tokenisation - Get Supported Cardholder Authentication Methods (for Approve with Authentication). Only used by Visa.	No
38	Visa Tokenisation - Device Binding. Only used by Visa.	No
39	Indicates an Account Verification A type of authorisation transaction which is intended to confirm that the account is genuine and active. Account Verifications are always for a zero amount, so only appear in Authorisation messages and never in clearing messages. transaction (eligibility inquiry) for a Debit Account Status Inquiry (ASI). A Debit ASI is a Visa service that checks if an amount can be debited from an account, Thredd uses this code for mapping from a debit transaction (authorisation code 00).	No
70	PIN change	No
71	Card Data File Action (e.g., new PAN or `expdate`)	No
72	PIN unblock	No
89	A Credit ASI that checks if an account is open and able to receive funds for a credit transaction.	No
91	PIN unblock	No
92	PIN change	No

4.27.2 Account Type Codes

The 3^rd & 4^th digits in Processing code is the Source account type code.

The 5^th and 6^th digits in Processing code is the Destination account type code.

Both codes are from the following list of account type codes (based on ISO 8583:2003 Account Type Codes).

Value	Description
00	Default Account (not specified or not applicable)
10	Savings Account
20	Cheque Account
30	Credit Card Account
35	Deferred debit account
36	Charge account
38	Credit Line Account
39	Corporate Account
40	Universal Account
50	Money Market Investment Account
58	IRA Investment Account
60	Prepaid or Stored Value Account
90	Revolving Loan Account
91	Instalment Loan Account
92	Real Estate Loan Account