4.6 Processing Codes

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

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”

4.6.1 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 withdrawals, or for cash disbursements using Maestro cards)

Yes

02

Adjustment Credits

Yes

09

Debits (goods with cash back)

Yes

10

Account Funding

Yes

11

Quasi-Cash (e.g., gambling chips, money order, wire-transfer)

Yes

12

Debits (for cash advances)

Yes

17

Debits (for cash advances)

Yes

18

Unique Transaction (requires unique MCC)

Yes

19

Debit Adjustments

Yes

20

Credits (for refund)

Yes

21

Credits (for deposit)

Yes

22

Credits (Card Load)

Yes

23

Debits (Card Unload_

Yes

26

Original Credits

Yes

28

Credits (for payment 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 the Token Event that 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 VerificationClosed 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.

No

70

PIN change

No

71

Card Data File Action (eg new PAN or expdate)

No

72

PIN unblock

No

91

PIN unblock

No

92

PIN change

No

4.6.2 Account Type Codes

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

The 5th and 6th 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

38

Credit Line Account

39

Corporate Account

40

Universal Account

50

Money Market Investment Account

58

IRA Investment Account

60

Stored Value Account

90

Revolving Loan Account

91

Instalment Loan Account

92

Real Estate Loan Account