BB Discovery Report-Updated

BANGLADESH BANK
NATIONAL PAYMENT SWITCH PROJECT
DISCOVERY REPORT - Updated
11TH DECEMBER 2012
SHARED BY
PROJECT MANAGEMENT OFFICE
NATIONAL PAYMENT SWITCH PROJECT
BANGLADESH BANK
HEAD OFFICE, DHAKA
www.bb.org.bd
National Payment Switch Bangladesh (NPSB)
Confidentiality Agreement
This document has been prepared for the use of Commercial Banks in Bangladesh which are providing Card
Services and intended to join in the National Payment Switch project run by the Bangladesh Bank.
Private and Confidential
Contents
Introduction............................................................................................................................................... 9
Scope ...................................................................................................................................................... 9
Interfaces................................................................................................................................................... 9
Licensed Modules ...................................................................................................................................... 9
Fields Notation ........................................................................................................................................ 11
Requirements Notation .......................................................................................................................................11
Configuration........................................................................................................................................... 12
REQC0001 - Country ............................................................................................................................................12
REQC0002 - Language ..........................................................................................................................................12
REQC0003 Currency (for settlement) ................................................................................................................12
REQC0004 -Business Calendar .............................................................................................................................12
REQC0005 -Time Zone .........................................................................................................................................13
REQC0006.1 BANKS CHANNEL ..........................................................................................................................13
REQC0006.2 PAD CHANNEL ..............................................................................................................................13
REQC0006.3 VISA CHANNEL .............................................................................................................................14
REQC0006.4 MASTERCARD CHANNEL ..............................................................................................................14
REQC0006.5 AMEX CHANNEL ...........................................................................................................................14
Transaction types .................................................................................................................................... 15

REQC0007 TRANSACTION TYPES ......................................................................................................................15
Transaction Flow Diagrams ..................................................................................................................... 17

Over the Counter Funds Transfer .....................................................................................................................17
ATM Funds Transfer (ATMFT01) .......................................................................................................................19
ATM Cash Withdrawal ......................................................................................................................................25
ATM Cash Deposit .............................................................................................................................................27

ATM Mini Statement ........................................................................................................................................29
ATM Balance Inquiry .........................................................................................................................................31
ATM Bill Payment (ATMBP01) ..........................................................................................................................33
ATM Bill Payment (ATMBP02) ..........................................................................................................................35
POS Cash Advance ............................................................................................................................................37
POS Bill Payment ...............................................................................................................................................39
POS Retail Purchase ..........................................................................................................................................41
Kiosk Funds Transfer (KIOSKFT01) ....................................................................................................................43
Kiosk Mini Statement ........................................................................................................................................49
Kiosk Balance Inquiry ........................................................................................................................................51
Kiosk Bill Payment (KIOSKBP01)........................................................................................................................53
Kiosk Bill Payment (KIOSKBP02)........................................................................................................................55
Mobile Banking Funds Transfer ........................................................................................................................57
Mobile Banking Bill Payment ............................................................................................................................59
Mobile Banking Retail Purchase .......................................................................................................................61
eCommerce Bill Payment..................................................................................................................................63
eCommerce Retail Purchase .............................................................................................................................64
Internet Banking Funds Transfer ......................................................................................................................66
Internet Banking Bill Payment ..........................................................................................................................68
PAD Payment .......................................................................................................................................................70
ISO8583 REVERSAL ADVICE MESSAGE FOR NPSB .................................................................................. 72

ATM Funds Transfer (ATMFT01) Reversal ...........................................................................................................72
ATM Bill Payment (ATMBP02) Reversal ...............................................................................................................74
POS Cash Advance Reversal .................................................................................................................................75
POS Bill Payment Reversal ...................................................................................................................................76

POS Retail Purchase Reversal ..............................................................................................................................77
Kiosk Funds Transfer (KIOSKFT01) Reversal.........................................................................................................78
Kiosk Bill Payment (KIOSKBP02) Reversal ............................................................................................................79
e-Commerce Bill Payment Reversal .....................................................................................................................80
e-Commerce Retail Purchase Reversal ................................................................................................................81
REQC0008 PCI DSS Compliance ........................................................................................................................82
REQC0009 Security ...........................................................................................................................................83
Enhancements ......................................................................................................................................... 85
REQE0001 Fee Calculation (for Settlement Report) ..........................................................................................85
Interfaces................................................................................................................................................. 87
ISO 8583 common requirements: ........................................................................................................... 87
REQ10001 Banks Host to Host ...........................................................................................................................89
REQ10002IPS Host to Host ................................................................................................................................89
REQ10003PAD Host to Host ..............................................................................................................................89
REQ10004Core Banking System Batch ..............................................................................................................90
Reports .................................................................................................................................................... 91
REQR0001 Core Banking Settlement Report .....................................................................................................91
REQR0002Member Bank Settlement Report ....................................................................................................91
Dispute Management .............................................................................................................................. 93

File Layout............................................................................................................................................................95
File Header Message Layout ................................................................................................................................95
Document Message Layout .................................................................................................................................95
File Trailer Message .............................................................................................................................................98
Dispute Message Codes .......................................................................................................................................98
FIELD CONDITION ISO8583 MESSAGE FOR NPSB .................................................................................. 103

Internal Bank (OTC) Funds Transfer ...................................................................................................................103
ATM Funds Transfer (ATMFT01) ........................................................................................................................105

ATM Funds Transfer (ATMFT01) Reversal .........................................................................................................107
ATM Mini Statement .........................................................................................................................................114
ATM Balance Inquiry ..........................................................................................................................................115
ATM Bill Payment (ATMBP01) ...........................................................................................................................117
ATM Bill Payment (ATMBP02) Reversal .............................................................................................................120
POS Cash Advance .............................................................................................................................................121
POS Cash Advance Reversal ...............................................................................................................................122
POS Bill Payment................................................................................................................................................123
POS Bill Payment Reversal .................................................................................................................................125
POS Retail Purchase ...........................................................................................................................................126
POS Retail Purchase Reversal ............................................................................................................................128
Kiosk Funds Transfer (KIOSKFT01) .....................................................................................................................129
Kiosk Funds Transfer (KIOSKFT01) Reversal.......................................................................................................131
Kiosk Mini Statement.........................................................................................................................................135
Kiosk Balance Inquiry .........................................................................................................................................136
Kiosk Bill Payment (KIOSKBP01) ........................................................................................................................138
Kiosk Bill Payment (KIOSKBP02) Reversal ..........................................................................................................141
Mobile Banking Funds Transfer .........................................................................................................................142
Mobile Banking Bill Payment .............................................................................................................................143
Mobile Banking Retail Purchase ........................................................................................................................144
e-Commerce Bill Payment .................................................................................................................................145
e-Commerce Bill Payment Reversal ...................................................................................................................147

e-Commerce Retail Purchase.............................................................................................................................148
e-Commerce Retail Purchase Reversal ..............................................................................................................150
Internet Banking Funds Transfer .......................................................................................................................151
Internet Banking Bill Payment ...........................................................................................................................152
DETAILED ISO8583 MESSAGE SPECIFICATIONS FOR NPSB .................................................................... 153

Internal Bank (OTC) Funds Transfer ...................................................................................................................153
ATM Cash Withdrawal .......................................................................................................................................158
ATM Cash Deposit..............................................................................................................................................159
ATM Mini Statement .........................................................................................................................................160
DE125 Supporting Information ..........................................................................................................................161
ATM Balance Inquiry ..........................................................................................................................................162
POS Cash Advance .............................................................................................................................................165
POS Bill Payment................................................................................................................................................166
POS Retail Purchase ...........................................................................................................................................168
Kiosk Mini Statement.........................................................................................................................................172
Kiosk Balance Inquiry .........................................................................................................................................174
Mobile Banking Funds Transfer .........................................................................................................................178
Mobile Banking Bill Payment .............................................................................................................................179

Mobile Banking Retail Purchase ........................................................................................................................180
e-Commerce Retail Purchase.............................................................................................................................183
Internet Banking Funds Transfer .......................................................................................................................185
Internet Banking Bill Payment ...........................................................................................................................186
Introduction
As the part of Central Bank Strengthening Project, National Payment Switch (NPSB) will be implemented for
Bangladesh Bank to monitor all inter-bank transactions and in order to connect all local commercial banks.
Scope
Infotech has chosen a payment switch system to be implemented at Bangladesh Bank to meet the requirements of
Bangladesh Bank.These requirements were finalized in a series of meetings with Bangladesh Bank and
representatives from the Commercial Banks in Bangladesh such as
Dutch-Bangla Bank Limited (DBBL)
BRAC Bank Limited
Islami Bank Bangladesh
Standard Chartered Bank
The City Bank
AB Bank
Q-Cash (ITCL)
Cash-Link
Rupali Bank
Standard Bank Limited
These meetings spanned from May 2012 to September 2012. This document contains the finalized version of the
NPSB requirements based on input from all the stakeholders involved and represents the requirements locked
down for implementation in NPSB. For the purpose of this project, a Standard Host to Host module will be
configured based on the requirements defined by Bangladesh Bank. All required configuration and enhancements
required for the deployment of this product are outlined within this report.
Any subsequent changes to the system will be handled through the Change Request process. The associated time
and effort involved to accommodate the Change Request will be estimated and submitted to Bangladesh Bank for
approval prior to being incorporated into the system.
Interfaces
Within the scope of this project, the WAY4 system will interface directly with the following systems:
Fifteen local commercial banks and two local switches (Q-Cash and CashLink) configured to
seventeen (17) financial institutions
Core banking system
PAD ePayment Gateway
VISA
MasterCard
American Express
Licensed Modules
The following modules will be included in the delivery of the proposed system:

WAY4
TM
Core
WAY4
TM
Accounting
WAY4
TM
Job Scheduler
WAY4
TM
specific job types
WAY4
TM
Housekeeping
archiving rules specific to WAY4 DB schema
WAY4
TM
Multiple Financial Institutions

15 participating banks, 2 local switches ( QCash and CashLink), are configured into 17
financial institution.
WAY4
TM
Core Banking Batch Interface
WAY4
TM
Standard CBS Batch File Format
2 WAY4
TM
Host to Host Online Interfaces
with e-Payment Gateway of Public Accounts Department (WAY4 Standard ISO8583,

Bidirectional, TCP/IP, basic message set)
to seventeen (17) financial institutions (WAY4 Standard ISO8583, Bidirectional, TCP/IP, basic
message set)
2 WAY4
with e-payment Gateway of Public Accounts Department (WAY4 Standard XML)
to seventeen (17)financial institutions (WAY4 Standard XML)
WAY4
10
VISA Interface
TM
MasterCard Interface
includes Authorization (BankNet), Clearing & Settlement (IPM)
WAY4
TM
includes Authorization (VIP), Clearing & Settlement (BASE II)
WAY4
Third Party Batch Interfaces (FTP Reconciliation Processing)
TM
TM
American Express Interface
includes Authorization (GNS), Clearing & Settlement (GNS)
Fields Notation
Ref
Description
Numeric digits 0 through 9
AN
Alphabetic and Special Characters
DT
Date + Format in field description
Binary representation of data
NVAR
Variable length data up to nn characters. There will be two or three character length (depending upon whether
maximum data length is 99 or 999) at the beginning of the element to identify the number of positions
following to the end of the data element
Mandatory
Optional
Conditional
MR
Copy from request
CR
Copy if present in request
Requirements Notation
The following notation is used for identifying the requirements:
REQI000X Interface
REQC000X Configuration
REQE000X Enhancement
REQR000X Report
REQHS Hardware/Software
11
Configuration
COUNTRY
REQC0001 - Country
Introduction & Business Requirements
The country is Bangladesh.
LANGUAGE
REQC0002 - Language
All WAY4 standard forms and applications are in English.
CURRENCY
REQC0003 Currency (for settlement)
Required currency is Bangladeshi Taka.

ISO4217 currency codes are:
Description: Bangladeshi Taka.
Alphabet: BDT.
Numeric: 050.
Local currency code is BDT, which represents Taka.
BUSINESS CALENDAR
REQC0004 -Business Calendar
Online availability:
On 24 hours by 7 days a week basis.
12
End of Day Batch processing:

Every calendar day.
The above requirements are for supporting:
the 24 by 7 business operations hours, and
Online transactions, of ATM, POS, Internet Banking, e-commerce, and Mobile
Banking.
TIME ZONE
REQC0005 -Time Zone
Bangladesh time (GMT +6 hours).
CHANNELS
REQC0006.1 BANKS CHANNEL
Business Requirement
To support inter-bank transactions through National Payment System and have the ability to forward
authorizations which will be routed to the issuer bank.
Technical Details
The online transaction message will be using ISO 8583 version 1987. The specification of the transaction message
will be referred to WAY4 standard basic host to host documentation Basic_Host_To_Host_1_15.pdfand in the
Section Detailed IS0 8583 Message Specifications for NPSB of this document.
The transaction flow diagramsare listed below in this document.
REQC0006.2 PAD CHANNEL

To support all government e-payment transactions based on government account codes from PAD system through
National Payment System and to have the ability to forward authorizations to the issuer bank.
13

Technical Details
will be referred to WAY4 standard basic host to host documentation Basic_Host_To_Host_1_15.pdfand in the
Section Detailed IS0 8583 Message Specifications for NPSB of this document.
REQC0006.3 VISA CHANNEL

WAY4 needs to be able to support International transactions that coming or going to VISA network.
Technical Details
will be referred to WAY4 standard basic host to host documentation Basic_Host_To_Host_1_15.pdf
REQC0006.4 MASTERCARD CHANNEL

WAY4 needs to be able to support International transactions that coming or going to MasterCard network.
Technical Details
REQC0006.5 AMEX CHANNEL

WAY4 needs to be able to support International transactions that coming or going to AMEX network.
Technical Details
14
Transaction types
REQC0007 TRANSACTION TYPES
Bangladesh Bank NPS will be acting as the forwarder institution for domestic and international (through IPS)
transaction. Communication between the Banks will be performed using ISO 8583 version 1987 and all of the
transactions flows will use Single Message format.
Mini statement
Balance Enquiry
Bill Payment
Retail Purchase (Merchant Payment)
Interbank Cash Deposit
Bank internal (over the counter,
Interbank Cash Withdrawal
Interbank Funds Transfer
Technical Specifications
The following transaction types are allowed for any card of commercial banks in Bangladesh Bank NPS:
standing order)
ATM
POS
Kiosk
m-Commerce
e-Commerce
(Thru
Merchant
**
Website)
e-Commerce (Thru own Banks
web-site (of Banks offering webbanking))

** This is for the scenario where a customer goes to a Billing Companys Agent, pays their bill via cash, and the Agent then makes the payment
via their own card via POS terminal
15

^ Payment at Merchants Web-site could be via Card or Bank Account number.
*The host has to fill the F2 (PAN) in the ISO8583 message. The F2 value can be using related real card number or combination of given BIN
from Bangladesh Bank and mobile account number.
#The host has to fill the F2 (PAN) in the ISO8583 message. The F2 value will be using the real card number or virtual card number with the same
BIN given by the Bank owner.
16
Transaction Flow Diagrams

Over the Counter Funds Transfer
Specific ISO Field Message

DE03 Processing Code
Format
FIXED Value
n Length 6
Coding
BCD
Coding that identifies (1) the cardholder transaction type and (2) the cardholder account types, if any, affected by
the transaction. This is a fixed-length field for three data elements, as follows.
Positions 12, Transaction Type: A two-digit code identifying the cardholder transaction type or the processing
center function being processed. Possible values are:
'28' Cardholder Payment
Positions 34, Account Type (From): A two-digit code identifying the account type affected by this transaction.
(For domestic account transfers, the account from which an account transfer is made). Possible values are:
'00' Default Account
'10' Savings Account
'20' Checking Account
'30' Credit Card Account
17

Positions 56, Account Type (To): A two-digit code identifying the account type affected by this transaction. (For
domestic account transfers, a two-digit code identifying the account type to which an account transfer is made).
Possible values are:
DE122 Additional Record Data
Format
n Length
Coding
Value
18
HLLVAR
0..99
ASCII
OTCFT
ATM Funds Transfer (ATMFT01)

Format
FIXED Value
n Length 6
Coding
BCD
'10'Card-holder Account Transfer
19

Format
n Length
Coding
Value
20
HLLVAR
0..99
ASCII
ATMFT01

Format
FIXED Value
n Length 6
Coding
BCD
'28' Card-holder Account Transfer
21

Format
n Length
Coding
Value
22
HLLVAR
0..99
ASCII
ATMFT02

Format
FIXED Value
n Length 6
Coding
BCD
(For domestic account transfers, the account fromwhichan account transfer is made). Possible values are:
domestic account transfers, a two-digit code identifying the account type towhichan account transfer is made).
23

DE100 Receiving Institution Identification Code
Format
n Length
Coding
Value
HLVAR
..11
BCD
Beneficiary banks code (numeric)
DE103 Account Identification Code-2 (to-account)

Format
n Length
Coding
Value
HLVAR
0..99
ASCII
Target of the transferred account (numeric)

Format
n Length
Coding
Value
24
HLLVAR
0..99
ASCII
ATMFT03
ATM Cash Withdrawal

Format
FIXED Value
n Length 6
Coding
BCD
'01' Cash Withdrawal
domestic account transfers, a two-digit code identifying the account type to whichan account transfer is made).
25

Format
n Length
Coding
Value
26
HLLVAR
0..99
ASCII
ATMCW
ATM Cash Deposit

DE03
Processing Code
Format
FIXED Value
n Length 6
Coding
BCD
'28' Cash Deposit
(For domestic account transfers, the account fromwhich an account transfer is made). Possible values are:
domestic account transfers, a two-digit code identifying the account typetowhich an account transfer is made).
27

Format
n Length
Coding
Value
28
HLLVAR
0..99
ASCII
ATMCD
ATM Mini Statement

DE03
Processing Code
Format
FIXED Value
n Length 6
Coding
BCD
'30' Mini Statement
(For domestic account transfers, the account fromwhich an account transfer is made). Possible values are:
domestic account transfers, a two-digit code identifying the account typetowhich an account transfer is made).
29

Format
n Length
Coding
Value
30
HLLVAR
0..99
ASCII
ATMMS
ATM Balance Inquiry

Format
FIXED Value
n Length 6
Coding
BCD
'30' Balance Inquiry
31

32
ATM Bill Payment (ATMBP01)

Format
FIXED Value
n Length 6
Coding
BCD
'00' Retail goods and service
33

Format
n Length
Coding
Value
HLVAR
..11
BCD
Biller banks code (numeric)

Format
n Length
Coding
Value
HLVAR
0..99
ASCII
Target of the billing account (numeric)

Format
n Length
Coding
Value
34
HLLVAR
0..99
ASCII
ATMBP01

Format
FIXED Value
n Length 6
Coding
BCD
35

Format
n Length
Coding
Value
36
HLLVAR
0..99
ASCII
ATMBP02
POS Cash Advance

Format
FIXED Value
n Length 6
Coding
BCD
'01' Cash Advance
37

Format
n Length
Coding
Value
38
HLLVAR
0..99
ASCII
POSCA
POS Bill Payment

Format
FIXED Value
n Length 6
Coding
BCD
39

Format
n Length
Coding
Value
40
HLLVAR
0..99
ASCII
POSBP
POS Retail Purchase

Format
FIXED Value
n Length 6
Coding
BCD
41

Format
n Length
Coding
Value
42
HLLVAR
0..99
ASCII
POSBR
Kiosk Funds Transfer (KIOSKFT01)

Format
FIXED Value
n Length 6
Coding
BCD
'10' Card-holder Debit
43

Format
n Length
Coding
Value
44
HLLVAR
0..99
ASCII
KIOSKFT01

Format
FIXED Value
n Length 6
Coding
BCD
'28' Card-holder Payment
45

Format
n Length
Coding
Value
HLVAR
..11
BCD

Format
n Length
Coding
Value
HLVAR
0..99
ASCII

Format
n Length
Coding
Value
46
HLLVAR
0..99
ASCII
KIOSKFT02

Format
FIXED Value
n Length 6
Coding
BCD
'10' Card-holder Debit
47

Format
n Length
Coding
Value
48
HLLVAR
0..99
ASCII
KIOSKFT03
Kiosk Mini Statement

Format
FIXED Value
n Length 6
Coding
BCD
'30'MiniStatement
49

Format
n Length
Coding
Value
50
HLLVAR
0..99
ASCII
KIOSKMS
Kiosk Balance Inquiry

Format
FIXED Value
n Length 6
Coding
BCD
'30' Balance Inquiry
51

Format
n Length
Coding
Value
52
HLLVAR
0..99
ASCII
KIOSKBI
Kiosk Bill Payment (KIOSKBP01)

Format
FIXED Value
n Length 6
Coding
BCD
53

Format
n Length
Coding
Value
HLVAR
..11
BCD

Format
n Length
Coding
Value
HLVAR
0..99
ASCII

Format
n Length
Coding
Value
54
HLLVAR
0..99
ASCII
KIOSKBP01

Format
FIXED Value
n Length 6
Coding
BCD
55

Format
n Length
Coding
Value
56
HLLVAR
0..99
ASCII
KIOSKBP02
Mobile Banking Funds Transfer

Format
FIXED Value
n Length 6
Coding
BCD
57

Format
n Length
Coding
Value
HLVAR
..11
BCD

Format
n Length
Coding
Value
HLVAR
0..99
ASCII

Format
n Length
Coding
Value
58
HLLVAR
0..99
ASCII
MBFT
Mobile Banking Bill Payment

Format
FIXED Value
n Length 6
Coding
BCD
59

Format
n Length
Coding
Value
HLVAR
..11
BCD

Format
n Length
Coding
Value
HLVAR
0..99
ASCII

Format
n Length
Coding
Value
60
HLLVAR
0..99
ASCII
MBBP
Mobile Banking Retail Purchase

Format
FIXED Value
n Length 6
Coding
BCD
61

Format
n Length
Coding
Value
HLVAR
..11
BCD

Format
n Length
Coding
Value
HLVAR
0..99
ASCII

Format
n Length
Coding
Value
62
HLLVAR
0..99
ASCII
MBR
eCommerce Bill Payment

Format
FIXED Value
n Length 6
Coding
BCD
'00' Retail Goods and Service
63

DE47 WAY4 Proprietary Field
Format
n Length
Coding
Value
HLLVAR
0..999
ASCII
914003<CVV2>

Format
n Length
Coding
Value
HLLVAR
0..99
ASCII
ECBP
eCommerce Retail Purchase
64

Format
FIXED Value
n Length 6
Coding
BCD
Format
n Length
Coding
Value
HLLVAR
0..999
ASCII
914003<CVV2>

Format
n Length
Coding
Value
65
HLLVAR
0..99
ASCII
ECR
Internet Banking Funds Transfer

Format
FIXED Value
n Length 6
Coding
BCD
'28' Card-holder Payment
66

Format
n Length
Coding
Value
HLVAR
..11
BCD

Format
n Length
Coding
Value
HLVAR
0..99
ASCII

Format
n Length
Coding
Value
67
HLLVAR
0..99
ASCII
IBFT
Internet Banking Bill Payment

Format
FIXED Value
n Length 6
Coding
BCD
68

Format
n Length
Coding
Value
HLVAR
..11
BCD

Format
n Length
Coding
Value
HLVAR
0..99
ASCII

Format
n Length
Coding
Value
69
HLLVAR
0..99
ASCII
IBBP
PAD Payment

Format
FIXED Value
n Length 6
Coding
BCD
70

Format
n Length
Coding
Value
HLLVAR
0..999
ASCII
914003<CVV2>

Format
n Length
Coding
Value
71
HLLVAR
0..99
ASCII
Government Account Code
ISO8583 REVERSAL ADVICE MESSAGE FOR NPSB

This section contains the flow diagram of ISO8583 Reversal Advice Message for some particular
transactions in NPSB.
ATM Funds Transfer (ATMFT01) Reversal
72
ATM Cash Withdrawal Reversal
73
ATM Bill Payment (ATMBP02) Reversal
74
POS Cash Advance Reversal
75
POS Bill Payment Reversal
76
POS Retail Purchase Reversal
77
Kiosk Funds Transfer (KIOSKFT01) Reversal
78
Kiosk Bill Payment (KIOSKBP02) Reversal
79
e-Commerce Bill Payment Reversal
80
e-Commerce Retail Purchase Reversal
81
PCI DSS COMPLIANCE

REQC0008 PCI DSS Compliance
Bangladesh Bank requires that the systemshould be fully compliant with the PCI-DSS security rules and
requirements standards.
Technical Details
WAY4 is fully certified for PA-DSS Payment Application Data Security Standards. This certification will be helpful
when Bangladesh Bank will be passing their PCI DSS audit. PA-DSS consolidates the most effective and time-proven
security policies of the major international payment systems MasterCard, Visa, AMEX, Discover, and JCB. The
goal of PA-DSS is to help software vendors and others develop secure payment applications that do not store
prohibited data, such as full magnetic stripe, CVV2 or PIN data, and ensure their payment applications support
compliance with the PCI DSS. Payment applications that are sold, distributed or licensed to third parties are subject
to the PA-DSS requirements.
82
SECURITY
REQC0009 Security
Business Requirements
Bangladesh Bank requires user management to be implemented in WAY4 Application to be able to manage and
track user activity.
Audit of the actions should be implemented and be accessible by the administrator for investigation if required.
According to PCI-DSS all sensitive data in the database should be encrypted.
All Keys stored in WAY4 should be encrypted with LMK of Security Devices.
Technical Details
Standard Oracle security solutions will be used, such as:
Oracle Advanced Security
All operations with security values and keys are performed using appropriated security devices certified by IPS.
User Management
The system provides the capability to manage access to the WAY4 objects and information. It includes:
Users and User Groups of WAY4
Individual menu per User Group
Several levels of Users Group types (Clerk, Administrator, Auditor)
WAY4 uses Oracle mechanisms to grant access to the Users and Groups. Every User registered in WAY4 client
application is automatically registered as Oracle User in DB. All necessary grants are granted through Oracle Roles
and privileges.
Trace and Audit
WAY4 provides the following capabilities for Trace and Auditing:
Amendment History every manual change of data to WAY4 tables including changes initiated through a
batch interface or web service, is recorded with the following additional information:
o
User who did the change
Timestamp the change was done
Workstation that was used to make the change
Process Log every process start and stop timestamps are recorded
Process Log for Screen Forms access every access to Screen Form can be recorded in Process Log
Login History every login of the users is recorded
83
Channel Monitor every channel status change (e.g. connected, disconnected, sign-on) is recorded
When the user changes any field value in the database, WAY4 saves the changed record in the database with a flag
indicating that it is the currently active record (amendment status 'Active'), while at the same time creating
another record in the database with the previous values of the record with a flag indicating that record is currently
not active (amendment status 'Inactive').
When user deletes a record from database, WAY4 does not physically delete the record from database, but marks
it with a flag indicating that this record has been deleted (amendment status 'Closed').
This gives the administrator full amendment history of particular record in database and helps in tracking who
changed a particular field, what was changed and when the change was done.
Connection Management
WAY4 Manager Client application uses Oracle JDBC driver to connect to Oracle Database. In order to secure
connection itself Oracle Advanced Security is used.
WAY4 also provides a feature which allows users (who are also oracle users) to connect using WAY4 Manager
Application only, in this case the users will not be able to connect to the Oracle database using other tools. A
special parameter will be specified in WAY4 in order to keep password in a special format which does not allows
connection from other application like SQL+, TOAD, PL/SQL Developer etc.
84
Enhancements
FEE CALCULATION (FOR SETTLEMENT REPORT)
REQE0001 Fee Calculation (for Settlement Report)
Bangladesh Bank requires that WAY4 supports the fee calculation based on the source channel and transaction
type. WAY4 will calculate the fee each time the settlement report for the Core Banking System is being generated.
Technical Details
Fee Structure
Below is the table of fee structure parameters for each of transactions on their respecting channel. The fees value
will be based on the transaction amount multiplied with the fee parameters value.
SN
Transaction type
Cardholder
Merchant
Beneficiary
Issuer
Acquirer
Beneficiary
NPSB
OTC, FT+BP (Iss+Acq)
-1
0.8
0.2
ATM, FT (Acq+Ben)
-1
0.8
0.2
ATM, FT (Iss+Acq)
-1
0.8
0.2
ATM, FT (Iss+Ben)
-1
0.8
0.2
ATM Cash Withdrawal
-1
0.8
0.2
ATM Cash Deposit
-1
0.8
0.2
ATM Mini-statement
-1
0.67
0.33
ATM Balance Enq
ATM BP (Iss+Acq)
-1
0.8
0.2
10
ATM BP (Acq)
-1
0.8
0.2
11
ATM BP (Acq+Ben)
-1
0.8
0.2
12
POS Cash Withdrawal
-1
0.8
0.2
13
POS Retail
2.00%
0.50%
1.00%
0.50%
14
Kiosk, FT (Acq+Ben)
-1
0.8
0.2
15
Kiosk, FT (Iss+Acq)
-1
0.8
0.2
16
Kiosk, FT (Iss+Ben)
-1
0.8
0.2
17
Kiosk Mini-statement
-1
0.67
0.33
18
Kiosk Balance Enq
19
Kiosk, BP (Iss+Acq)
-1
0.8
0.2
20
Kiosk, BP (Acq)
-1
0.8
0.2
85

SN
Transaction type
Cardholder
Merchant
Beneficiary
Issuer
Acquirer
Beneficiary
NPSB
21
Kiosk, BP (Acq+Ben)
-1
0.8
0.2
22
m-Comm FT
-1
0.7
0.3
23
m-Comm BP
-1
0.7
0.3
24
m-Comm Retail
2.00%
0.50%
1.00%
0.50%
25
e-Comm BP
-1
0.8
0.2
26
e-Comm Retail
3.00%
0.75%
1.50%
0.75%
27
IB-FT
-1
0.8
0.2
28
IB-BP
-1
0.8
0.2
29
PAD Payment
-1
Impact Areas
Core Banking Settlement Report
Bank Settlement Report
Dependencies
Transaction Document
86
Interfaces
ISO 8583 common requirements:
Message Structure
The file structure is described in field structure as follow:
Message Header
A 4-byte ASCII message header containing the length of the message has to be sent at the beginning of
the message. The message length would exclude the length of the header.
Message Type Identifier (MTID)
Each message starts with a Message Type Identifier (MTID) which a four-digit numeric field is identifying
the message version, class, function and originator, as defined by ISO 8583. The MTID field consists of 4
ASCII coded bytes with MTID value. The online Way4 host-to-host interface uses the following values:
87
First digit Version Number:

o 0 : ISO 8583: 1987
o 1 : ISO 8583: 1993
o 9 : Reserved for private use
Second digit Message Class:
o 1 : Authorization
o 2 : Financial
o 3 : File Action
o 4 : Reversal/Chargeback
o 5 : Reconciliation
o 6 : Administrative
o 7 : Fee collection
o 8 : Network Management
Third digit Message Function:
o 0 : Request
o 1 : Request Response
o 2 : Advice
o 3 : Advice Response
o 4 : Notification
Fourth digit Transaction Originator:
o 0 : Acquirer
o 1 : Acquirer Repeat
o 2 : Card Issuer
o 3 : Card Issuer Repeat
o 4 : Other
o 5 : Other Repeat

Bit Maps
The second component of a message is one, two or three 'bit maps' referred to as the 'Primary Bit Map',
'Secondary Bit Map' and 'Third Bit Map'. Each consists of 8 bytes and is interpreted as 64 individual bits.
For the Primary Bit Map, the bits are numbered from the left starting with 1, up to 64. Each bit signifies
the presence (1) or the absence (0) in the message of the data element associated with that particular bit,
according to its position (i.e. number) within the bit map. The Primary Bit Map must always be present.
The first bit of the bit map indicates the presence (1) or the absence (0) of the next bit map. For the
Secondary Bit Map, the bits are numbered starting with 65, up to 128. The Secondary Bit Map must be
present in a message if the message contains a data element numbered 65 or higher. For the Third Bit
Map, the bits are numbered starting with 129, up to 192. The Third Bit Map must be present in a
message if the message contains a data element numbered 129 or higher.
Data Elements
The final component of a message consists of a number of 'data elements'. Data elements may be of fixed
or variable length. No delimiters are used between data elements. Their order and presence is indexed by
the associated bit map(s). Variable length data starts with length specified, indicating the length of that
particular data element. Each data element is characterized by:
No is a running number
Data Element Name is name of field
Position is starting position of the field.
Size is the length of the field. For example: Position = 6 and length = 3 mean the field content
starts at 6 spaces/ characters/ digits from the left and occupies 3 spaces/ characters/ digits.
M/C/O is a value represents mandatory or conditional or optional. The following flags specify if
the entry of data in the field is mandatory:
M - the data entry is mandatory,
O- the data entry is optional,
C - the data entry depends on other field values.
Description is additional explanation of the field. It should clarify

o
whether the field is expecting a fixed value
the field is running number
the field existence depends on other field/ fields
termination symbol
delimiter; for example 0x0D, 0x0A (CRLF)
The amounts of money are stored in the least units (cents, pennies ).
88

If no data is stored in the field, it should be filled with space characters (spaces).
BANKS HOST TO HOST

REQ10001 Banks Host to Host
This interface is used to receive and forward inter-bank online transactions.
References
Refer to section Transaction Type on page 9.
IPS HOST TO HOST

REQ10002IPS Host to Host
This interface is used to communication with the International Payment Schemes (VISA, AMEX, and MasterCard).
References
PAD HOST TO HOST

REQ10003PAD Host to Host
This interface is used to receive and forward the e-Commerce transaction coming from PAD system to the
respective Issuer Bank.
Technical Details
The transaction will be using card data as the input of the Card Holder (CVV2, expiry date, and PAN).
The transaction can also be based off of Bank Account Numbers for those Commercial Banks that support the
following functionality:
i)
ii)
89
the generation of Virtual Card Numbers (a pre-defined combination of Bank Code and Bank Account
Number) for their Account Holders, and
One-Time-Passcode (OTP) generation, transmission to Account Holders mobile phone and
verification.

References
CORE BANKING SYSTEM BATCH

REQ10004Core Banking System Batch
This interface is used to send and receive the clearing files for the Core Banking System to debit/credit the banks
account.
Technical Details
WAY4 will generate a clearing file based on the transactions in one day. The file will be forwarded to this interface.
Please note details on the Core Banking Settlement Report which are given below.
Refer to REQR0001 on page 77.
90
Reports
CORE BANKING SETTLEMENT REPORT
REQR0001 Core Banking Settlement Report
Report File Specification
Here is the Core Banking System report file specification. The format of the file will be text file with fixed length
data.
No
Field Name
Length
Comments
Type of Transaction.
04 - Credit
54 - Debit
Account number
17
CBS Account Number the member

bank.
Amount
14+2
16 digit Amount in Poisa
Narration Text
50
Narrative text
Reference No.
Optional
MEMBER BANK SETTLEMENT REPORT

REQR0002Member Bank Settlement Report
Technical Details
Report File Specification
Here is the bank reconciliation report file specification. The format of the file will be XML.
91

No
Field Name
Length
Comments
RRN
12
Retrieval Reference Number of the

transaction
Merchant Type
Source channel of the transaction

which is DE18 of the ISO message of
the transaction. E.g.: 6011 = ATM,
6010 = POS Cash.
Transaction Date Time
10
The format will be MMDDhhmmss
Transaction Type
The value will becoming from F122 of

the ISO message of the transaction
Credit Amount
12
The amount to be credited to the

banks account
Debit Amount
12
The amount to be debited to the

banks account
Credit Fee
12
The fee amount to be credited to the

banks account
Credit Amount
12
The amount to be credited to the

banks account
92
Dispute Management
INTRODUCTION
This section contains the Dispute Management xml file specification, its sample, and monitoring of dispute
transactions.
MESSAGE LAYOUT
Description of table fields used to describe Message Layouts:
FieldName
Field Description
Field Level
Level of node in xml hierarchy.

File root node is level 0.
Field Name
Name of xml node.
Field Type
Available types:
"A" (Aggregate) aggregate field (has
subfields, doesn't have a value);
"F" (Field) simple field (no subfields, has
a value).
Field Optionality (Opt.)
Available values:
"M" mandatory;
"MP" mandatory only if parent element
is present (If this is an aggregate field, its
optionality takes precedence over the
fields within it);
"O" optional (those elements which are
optional may be absent or may contain no
data);
"C" conditional (see description of the
field).
Field Occurrence (Occur.)
Number
of field
occurrences (n
unlimited).
93

Field Format
Available formats:
"NL" Numeric Long (see xml type
"xs:long");
"ND" Numeric Decimal (see xml type
"xs:decimal");
"AN" Alphanumeric;
"UN" Unpacked Numeric;
"DX" Display Hexadecimal;
"TS" Date and time in format "YYYYMM-DD HH:MI:SS";
"TD" Date in format "YYYY-MM-DD"
"TT" Time in format "HH:MI:SS"
"TM" Date in format "YYMM"
Field Length
"Minimum-Maximum" length (a single

value indicates a fixed length) of node
value symbols. Only for simple fields. The
length that can be used in the current
version is displayed in curved brackets.
Field Description
94
Description
File Layout
Field
Field
Level
Name
(xml
Field
Field
Opt.
Occur.
Field
Field Description
tag)
Type
Format
DocFile
File Root Element
FileHeader
FileHeader message
DocList
Document
Length
container
2
Doc
0n
Document message
FileTrailer
FileTrailer message
Occur.
Field
File Header Message Layout

Field
Field Name (xml
Field
Field
Opt.
Field Description
Level
tag)
Type
Format
FileHeader
FileHeader message
FileLabel
AN
1-32
Constant:
Length
"DOCUMENT"
2
FormatVersion
AN
3-10
Constant: "2.2"
Sender
AN
1-32
Sender bank Member

Id
CreationDate
TD
10
File
creation
system
creation
system
date
2
CreationTime
TT
File
time
FileSeqNumber
NL
1-10
File sequence number
Receiver
AN
01
1-32
Receiver bank Member

Id
Document Message Layout

Field
Field Name (xml
Field
Field
Level
tag)
Type
Format
Doc
Opt.
Occur.
Field
Field Description
Length
O
0n
Document message (container

for transaction data)
TransType
95
Transaction
type
composite

Field
Field Name (xml
Field
Field
Level
tag)
Type
Format
Opt.
Occur.
Field
Field Description
Length
information
TransCode
Transaction type determiner
MsgCode
AN
1-32
Transaction
type
code (see
"Document Message Codes")

4
TransCondition
AN
01
0-4000
Transaction Attributes
OrigTransCondition
AN
01
0-4000
Original Transaction Attributes
DisputeRules
01
Dispute
management
information
5
ReasonCode
AN
01
Transaction Reason Code
ReasonDetails
AN
01
0-255
Transaction Reason Details
Requirement
AN
01
Transaction Requirement
DocRefSet
Set of Document Identifiers
Parm
1n
Container for Tag Value data
ParmCode
AN
1-32
Tag Name
Value
AN
0-255
Tag Value
LocalDt
TS
19
Transaction Local Date
NWDt
TS
01
19
Transaction Network Date
Description
AN
01
0-255
Transaction description
SourceDtls
01
Container for merchant data
SIC
NL
01
Merchant Category Code (MCC)
Country
AN
01
Card Acceptor Country
State
AN
01
1-32
Card Acceptor State
City
AN
01
1-32
Card Acceptor City
MerchantID
AN
01
1-32
Card Acceptor Identifier
Originator
Container
for
sender
transaction data
4
ContractNumber
AN
0-64
Originator Contract Number
Relation
AN
01
1-32 (2)
Account Type Code
MemberId
AN
01
0-32
Original Bank Member Id
TransitId
AN
01
0-32
Transit Bank Member Id
CardInfo
01
Container for card data
CardExpiry
TM
01
Card Expiry
96

Field
Field Name (xml
Field
Field
Opt.
Occur.
Field
Field Description
Level
tag)
Type
Format
CardSeqN
NL
01
1-32
Card Sequence Number
Product
01
Product data
Channel
AN
01
1-32 (1)
Channel
Destination
Container
Length
for
receiver
transaction data
4
ContractNumber
AN
0-64
Destination Contract Number
Relation
AN
01
1-32 (2)
Account Type Code
MemberId
AN
01
0-32
Original Bank Member Id
TransitId
AN
01
0-32
Transit Bank Member Id
CardInfo
01
Container for card data
CardExpiry
TM
01
Card Expiry
CardSeqN
NL
01
1-32
Card Sequence Number
Product
01
Product data
Channel
AN
01
1-32 (1)
Channel
Transaction
Transaction data
Currency
NL
Currency
Amount
ND
1-23
Amount
Extra
01
Container for additional data
Type
AN
MP
1-32
Constant "AddInfo"
AddData
MP
Additional tagged data
Parm
MP
1n
Container for Tag Value data
ParmCode
AN
MP
1-32
Tag Name
Value
AN
MP
0-255
Tag Value
Extra
01
Container for source fee
Type
AN
MP
1-32
Constant "SrcFee"
Currency
NL
MP
Currency
Amount
ND
MP
1-23
Amount
Extra
01
Container for target fee
Type
AN
MP
1-32
Constant "TgtFee"
Currency
NL
MP
Currency
Amount
ND
MP
1-23
Amount
Billing
01
Billing data
97

Field
Field Name (xml
Field
Field
Level
tag)
Type
Format
PhaseDate
TD
Opt.
Occur.
Field
Field Description
Length
MP
10
Transaction processing (Bank)

date in sender bank
Currency
NL
MP
Currency
Amount
ND
MP
1-23
Amount
Reconciliation
01
Reconciliation data
PhaseDate
TD
MP
10
Settlement (PS) date
Currency
NL
MP
Currency
Amount
ND
MP
1-23
Amount
ChainDtls
01
Information about a previous

transaction
OrigTransDate
TS
MP
19
Original transaction date
Addendum
0n
Transaction addendums
Type
AN
MP
1-32
See "Types of addendums"
Info
MP
See "Addendums"
File Trailer Message

Field
Field Name (xml
Field
Field
Opt.
Occur.
Field
Field Description
Level
tag)
Type
Format
FileTrailer
Trailer of file
CheckSum
Checksums
RecsCount
NL
1-10
Number of Doc aggregates in
Length
file
3
HashTotalAmount
AN
1-23
Sum of all amounts in all Doc

aggregates in file
Dispute Message Codes

The list of message codes for the dispute message. All message code is case-sensitive.
Transaction Type
Message Code
Message Code Description
Retail
DcP--00-
Retail Chargeback
DcR--00-
Retail Chargeback Reversal
98
ATM
Cash
Payment
99
DPP--00-
Retail Second Presentment
DCP--00-
Retail Second Chargeback
DcP--01-
ATM Chargeback
DcR--01-
ATM Chargeback Reversal
DPP--01-
ATM Second Presentment
DCP--01-
ATM Second Chargeback
DcP--12-
Cash Chargeback
DcR--12-
Cash Chargeback Reversal
DPP--12-
Cash Second Presentment
DCP--12-
Cash Second Chargeback
DcP--2X-
Payment Chargeback
DcR--2X-
Payment Chargeback Reversal
DPP--2X-
Payment Second Presentment
DCP--2X-
Payment Second Chargeback
SAMPLE
Here is the sample of a chargeback .xml file. In this case the dispute is in the retail transaction,
so the message code is DcP--00-. The originator of the transaction is the Issuer, which has a
PAN 2000001111222232. The destination/target is the Acquirer, which has a device with
merchant ID 90001000.
100
Here is the sample of real .xml file as a reference.
OIC_Documents_BANK_2_111111_20120917_1.xml
101
DISPUTE MONITORING
This is the screen capture of dispute transactions in WAY4 DBM. In this case, there are two
records. The first record is the chargeback transaction, and the second record is the original of
the transaction. Whenever the dispute message has been processed successfully, the original
transactions posting status becomes Inactive.
102
FIELD CONDITION ISO8583 MESSAGE FOR NPSB

This section contains the field condition of ISO8583 Message of each of NPSB Transaction.
Internal Bank (OTC) Funds Transfer
DE
02
03
04
05
06
07
09
10
11
12
13
14
18
22
32
35
37
39
41
42
43
49
50
51
102
103
122
DE Name
Primary Account Number (Receiver PAN)
Processing code
Amount Transaction
Settlement Amount
Cardholder Billing Amount
Transmission Date & Time
Settlement Conversion Rate
Cardholder Billing Conversion Rate
System Trace Audit Number
Time, Local Transaction
Date, Local Transaction
Expiration Date
Merchants Type
Point of Service Entry Mode
Acquiring Institution ID, Code
Track-2 Data
Retrieval Reference Number
Response code
Card Acceptor Terminal Id.
Card Acceptor Identification Code
Card Acceptor Name/Location
Transaction Currency Code
Settlement Currency Code
Cardholder Billing Currency Code
From Account
To Account
Additional Record Data
0100
M
M
M
M
C
M
C
C
M
M
M
C
M
M
M
M
C
C
C
M
M
C
C
M
M
0110
M
M
M
M
C
M
C
C
M
M
M
M
C
C
M
M
C
C
C
C

DE03
Processing Code
Format
FIXED Value
n Length 6
Coding
BCD
28 Cardholder Payment
Format
HLLVAR
n Length 0..99
103

Coding
Value
104
ASCII
OTCFT

DE
02
03
04
05
06
07
09
10
11
12
13
14
18
22
32
35
37
38
39
41
42
43
49
50
51
52
53
102
103
122
DE Name
Primary Account Number
Processing code
Amount Transaction
Settlement Amount
Expiration Date
Merchant's Type
Track-2 Data
Authorization Identification Response
Response code
Personal Identification Number (PIN)
Security Related Control Information
From Account
To Account
0100
M
M
M
M
C
M
C
C
M
M
M
C
M
M
M
C
C
C
M
M
C
M
M
C
M
M
0110
M
M
M
M
C
M
C
C
M
M
M
C
M
C
C
M
M
C
C
C
C

DE03
Processing Code
Format
FIXED Value
n Length 6
Coding
BCD
10Cardholder Debit
105

Format
n Length
Coding
Value
106
HLLVAR
0..99
ASCII
ATMFT01
ATM Funds Transfer (ATMFT01) Reversal

DE
02
03
04
05
06
07
09
10
11
12
13
14
18
22
32
35
37
38
39
41
42
43
49
50
51
90
102
103
DE Name
Processing code
Amount Transaction
Settlement Amount
Expiration Date
Merchant's Type
Track-2 Data
Response code
Original Data Elements
From Account
To Account
107
0420
M
M
M
M
C
M
C
C
M
M
M
C
M
M
M
M
C
C
C
C
M
M
C
M
C
M
0430
M
M
M
M
C
M
C
C
M
M
M
M
C
C
M
M
C
M
C
C

DE
02
03
04
05
06
07
09
10
11
12
13
14
18
22
32
35
37
39
41
42
43
49
50
51
102
103
122
DE Name
Processing code
Amount Transaction
Settlement Amount
Expiration Date
Merchants Type
Track-2 Data
Response code
From Account
To Account
0100
M
M
M
M
C
M
C
C
M
M
M
C
M
M
M
M
C
C
C
M
M
C
C
M
M
0110
M
M
M
M
C
M
C
C
M
M
M
M
C
C
M
M
C
C
C
C

DE03
Processing Code
Format
FIXED Value
n Length 6
Coding
BCD
Format
n Length
Coding
Value
108
HLLVAR
0..99
ASCII
ATMFT02

DE
02
03
04
05
06
07
09
10
11
12
13
14
18
22
32
35
37
38
39
41
42
43
49
50
51
52
53
102
103
122
DE Name
Processing code
Amount Transaction
Settlement Amount
Expiration Date
Merchants Type
Track-2 Data
Response code
From Account
To Account
0100
M
M
M
M
C
M
C
C
M
M
M
C
M
M
M
C
C
C
M
M
C
M
M
C
M
M
0110
M
M
M
M
C
M
C
C
M
M
M
C
M
C
C
M
M
C
C
C
C

DE03
Processing Code
Format
FIXED Value
n Length 6
Coding
BCD
10Cardholder Debit
109

Format
n Length
Coding
Value
110
HLLVAR
0..99
ASCII
ATMFT03
ATM Cash Withdrawal

DE
02
03
04
05
06
07
09
10
11
12
13
14
18
22
32
35
37
38
39
41
42
43
49
50
51
52
53
122
DE Name
Processing code
Amount Transaction
Settlement Amount
Expiration Date
Merchants Type
Track-2 Data
Response code
0100
M
M
M
M
C
M
C
C
M
M
M
C
M
M
M
C
C
C
M
M
C
M
M
M
0110
M
M
M
M
C
M
C
C
M
M
M
C
M
C
C
M
M
C

DE03
Processing Code
Format
FIXED Value
n Length 6
Coding
BCD
'01' Cash Withdrawal
Format
n Length
Coding
Value
111
HLLVAR
0..99
ASCII
ATMCW
ATM Cash Withdrawal Reversal

DE
02
03
04
05
06
07
09
10
11
12
13
14
18
22
32
35
37
38
39
41
42
43
49
50
51
90
122
DE Name
Processing code
Amount Transaction
Settlement Amount
Expiration Date
Merchants Type
Track-2 Data
Response code
112
0420
M
M
M
M
C
M
C
C
M
M
M
C
M
M
M
M
C
C
C
C
M
M
C
M
M
0430
M
M
M
M
C
M
C
C
M
M
M
M
C
C
M
M
C
M
C
ATM Cash Deposit

DE
02
03
04
05
06
07
09
10
11
12
13
14
18
22
32
35
37
38
39
41
42
43
49
50
51
52
53
103
122
DE Name
Processing code
Amount Transaction
Settlement Amount
Expiration Date
Merchant's Type
Track-2 Data
Response code
To Account
0100
M
M
M
M
C
M
C
C
M
M
M
C
M
M
M
C
C
C
M
M
C
M
M
M
M
0110
M
M
M
M
C
M
C
C
M
M
M
C
M
C
C
M
M
C
C
C

DE03
Processing Code
Format
FIXED Value
n Length 6
Coding
BCD
28 Cash Deposit
Format
n Length
Coding
Value
113
HLLVAR
0..99
ASCII
ATMCD
ATM Mini Statement

DE
02
03
04
05
06
07
09
10
11
12
13
14
18
22
32
35
37
38
39
41
42
43
49
50
51
52
53
122
125
DE Name
Processing code
Amount Transaction
Settlement Amount
Expiration Date
Merchants Type
Track-2 Data
Response code
Supporting Information
0100
M
M
M
M
C
M
C
C
M
M
M
C
M
M
M
C
C
C
M
M
C
M
M
M
0110
M
M
M
M
C
M
C
C
M
M
M
C
M
C
C
M
M
C
C
C

DE03
Processing Code
Format
FIXED Value
n Length 6
Coding
BCD
30 Mini Statement
Format
n Length
Coding
Value
114
HLLVAR
0..99
ASCII
ATMMS
ATM Balance Inquiry

DE
02
03
04
05
06
07
09
10
11
12
13
14
18
22
32
35
37
38
39
41
42
43
49
50
51
52
53
54
122
DE Name
Processing code
Amount Transaction
Settlement Amount
Expiration Date
Merchants Type
Track-2 Data
Response code
Additional Amounts
0100
M
M
M
M
C
M
C
C
M
M
M
C
M
M
M
C
C
C
M
M
C
M
M
M
0110
M
M
M
M
C
M
C
C
M
M
M
C
M
C
C
M
M
C
C
C

DE03
Processing Code
Format
FIXED Value
n Length 6
Coding
BCD
30 Balance Inquiry
115

Format
n Length
Coding
Value
116
HLLVAR
0..99
ASCII
ATMBI

DE
02
03
04
05
06
07
09
10
11
12
13
14
18
22
32
35
37
39
41
42
43
49
50
51
100
102
103
122
DE Name
Processing code
Amount Transaction
Settlement Amount
Expiration Date
Merchants Type
Track-2 Data
Response code
Receiver Institution ID
From Account
To Account
0100
M
M
M
M
C
M
C
C
M
M
M
C
M
M
M
M
C
C
C
M
M
C
C
C
M
M
0110
M
M
M
M
C
M
C
C
M
M
M
M
C
C
M
M
C
C
C
C

DE03
Processing Code
Format
FIXED Value
n Length 6
Coding
BCD
00Retail goods and services
Format
n Length
Coding
Value
117
HLLVAR
0..99
ASCII
ATMBP01

DE
02
03
04
05
06
07
09
10
11
12
13
14
18
22
32
35
37
38
39
41
42
43
49
50
51
52
53
100
102
103
122
DE Name
Processing code
Amount Transaction
Settlement Amount
Expiration Date
Merchants Type
Track-2 Data
Response code
From Account
To Account
0100
M
M
M
M
C
M
C
C
M
M
M
C
M
M
M
C
C
C
M
M
C
M
M
C
C
M
M
0110
M
M
M
M
C
M
C
C
M
M
M
C
M
C
C
M
M
C
C
C
C

DE03
Processing Code
Format
FIXED Value
n Length 6
Coding
BCD
00Retail goods and services
118

Format
HLLVAR
n Length 0..99
Coding
ASCII
Value
ATMBP02
119
ATM Bill Payment (ATMBP02) Reversal

DE
02
03
04
05
06
07
09
10
11
12
13
14
18
22
32
35
37
38
39
41
42
43
49
50
51
90
100
102
103
122
DE Name
Processing code
Amount Transaction
Settlement Amount
Expiration Date
Merchants Type
Track-2 Data
Response code
From Account
To Account
120
0420
M
M
M
M
C
M
C
C
M
M
M
C
M
M
M
M
C
C
C
C
M
M
C
M
C
C
M
M
0430
M
M
M
M
C
M
C
C
M
M
M
M
C
C
M
M
C
M
C
C
C
POS Cash Advance

DE
02
03
04
05
06
07
09
10
11
12
13
14
18
22
32
35
37
38
39
41
42
43
49
50
51
52
53
122
DE Name
Processing code
Amount Transaction
Settlement Amount
Expiration Date
Merchants Type
Track-2 Data
Response code
0100
M
M
M
M
C
M
C
C
M
M
M
C
M
M
M
C
C
C
M
M
C
C
C
M
0110
M
M
M
M
C
M
C
C
M
M
M
C
M
C
C
M
M
C

DE03
Processing Code
Format
FIXED Value
n Length 6
Coding
BCD
01 Cash Advance
Format
n Length
Coding
Value
121
HLLVAR
0..99
ASCII
POSCA
POS Cash Advance Reversal

DE
02
03
04
05
06
07
09
10
11
12
13
14
18
22
32
35
37
38
39
41
42
43
47
49
50
51
90
122
DE Name
Processing code
Amount Transaction
Settlement Amount
Expiration Date
Merchants Type
Track-2 Data
Response code
Proprietary Field 47
122
0420
M
M
M
M
C
M
C
C
M
M
M
C
M
M
M
M
C
C
C
C
C
M
M
C
M
M
0430
M
M
M
M
C
M
C
C
M
M
M
M
C
C
C
M
M
C
M
C
POS Bill Payment

DE
02
03
04
05
06
07
09
10
11
12
13
14
18
22
32
35
37
38
39
41
42
43
49
50
51
52
53
100
102
103
122
DE Name
Processing code
Amount Transaction
Settlement Amount
Expiration Date
Merchants Type
Track-2 Data
Response code
From Account
To Account
0100
M
M
M
M
C
M
C
C
M
M
M
C
M
M
M
C
C
C
M
M
C
C
C
C
C
M
M
0110
M
M
M
M
C
M
C
C
M
M
M
C
M
C
C
M
M
C
C
C
C

DE03
Processing Code
Format
FIXED Value
n Length 6
Coding
BCD
00 Bill Payment
123

Format
n Length
Coding
Value
124
HLLVAR
0..99
ASCII
POSBP
POS Bill Payment Reversal

DE
02
03
04
05
06
07
09
10
11
12
13
14
18
22
32
35
37
38
39
41
42
43
49
50
51
90
100
102
103
122
DE Name
Processing code
Amount Transaction
Settlement Amount
Expiration Date
Merchants Type
Track-2 Data
Response code
From Account
To Account
125
0420
M
M
M
M
C
M
C
C
M
M
M
C
M
M
M
M
C
C
C
C
M
M
C
M
C
C
M
M
0430
M
M
M
M
C
M
C
C
M
M
M
M
C
C
M
M
C
M
C
C
C
POS Retail Purchase

DE
02
03
04
05
06
07
09
10
11
12
13
14
18
22
32
35
37
38
39
41
42
43
49
50
51
52
53
100
102
103
122
DE Name
Processing code
Amount Transaction
Settlement Amount
Expiration Date
Merchants Type
Track-2 Data
Response code
From Account
To Account
0100
M
M
M
M
C
M
C
C
M
M
M
C
M
M
M
C
C
C
M
M
C
C
C
C
C
M
M
0110
M
M
M
M
C
M
C
C
M
M
M
C
M
C
C
M
M
C
C
C
C

DE03
Processing Code
Format
FIXED Value
n Length 6
Coding
BCD
00 Retail goods and service
126

Format
n Length
Coding
Value
127
HLLVAR
0..99
ASCII
POSRP
POS Retail Purchase Reversal

DE
02
03
04
05
06
07
09
10
11
12
13
14
18
22
32
35
37
38
39
41
42
43
49
50
51
90
100
102
103
122
DE Name
Processing code
Amount Transaction
Settlement Amount
Expiration Date
Merchants Type
Track-2 Data
Response code
From Account
To Account
128
0420
M
M
M
M
C
M
C
C
M
M
M
C
M
M
M
M
C
C
C
C
M
M
C
M
C
C
M
M
0430
M
M
M
M
C
M
C
C
M
M
M
M
C
C
M
M
C
M
C
C
C

DE
02
03
04
05
06
07
09
10
11
12
13
14
18
22
32
35
37
38
39
41
42
43
49
50
51
52
53
102
103
122
DE Name
Processing code
Amount Transaction
Settlement Amount
Expiration Date
Merchants Type
Track-2 Data
Response code
From Account
To Account
0100
M
M
M
M
C
M
C
C
M
M
M
C
M
M
M
C
C
C
M
M
C
M
M
C
M
M
0110
M
M
M
M
C
M
C
C
M
M
M
C
M
C
C
M
M
C
C
C
C

DE03
Processing Code
Format
FIXED Value
n Length 6
Coding
BCD
10Cardholder Debit
129

Format
n Length
Coding
Value
130
HLLVAR
0..99
ASCII
KIOSKFT01
Kiosk Funds Transfer (KIOSKFT01) Reversal

DE
02
03
04
05
06
07
09
10
11
12
13
14
18
22
32
35
37
38
39
41
42
43
49
50
51
90
102
103
122
DE Name
Processing code
Amount Transaction
Settlement Amount
Expiration Date
Merchants Type
Track-2 Data
Response code
From Account
To Account
131
0420
M
M
M
M
C
M
C
C
M
M
M
C
M
M
M
M
C
C
C
C
M
M
C
M
C
M
M
0430
M
M
M
M
C
M
C
C
M
M
M
M
C
C
M
M
C
M
C
C
C

DE
02
03
04
05
06
07
09
10
11
12
13
14
18
22
32
35
37
39
41
42
43
49
50
51
102
103
122
DE Name
Processing code
Amount Transaction
Settlement Amount
Expiration Date
Merchants Type
Track-2 Data
Response code
From Account
To Account
0100
M
M
M
M
C
M
C
C
M
M
M
C
M
M
M
M
C
C
C
M
M
C
C
M
M
0110
M
M
M
M
C
M
C
C
M
M
M
M
C
C
M
M
C
C
C
C

DE03
Processing Code
Format
FIXED Value
n Length 6
Coding
BCD
Format
n Length
Coding
Value
132
HLLVAR
0..99
ASCII
KIOSKFT02

DE
02
03
04
05
06
07
09
10
11
12
13
14
18
22
32
35
37
38
39
41
42
43
49
50
51
52
53
102
103
122
DE Name
Processing code
Amount Transaction
Settlement Amount
Expiration Date
Merchants Type
Track-2 Data
Response code
From Account
To Account
0100
M
M
M
M
C
M
C
C
M
M
M
C
M
M
M
C
C
C
M
M
C
M
M
C
M
M
0110
M
M
M
M
C
M
C
C
M
M
M
C
M
C
C
M
M
C
C
C
C

DE03
Processing Code
Format
FIXED Value
n Length 6
Coding
BCD
10 Cardholder Debit
133

Format
n Length
Coding
Value
134
HLLVAR
0..99
ASCII
KIOSKFT03

DE
02
03
04
05
06
07
09
10
11
12
13
14
18
22
32
35
37
38
39
41
42
43
49
50
51
52
53
122
125
DE Name
Processing code
Amount Transaction
Settlement Amount
Expiration Date
Merchants Type
Track-2 Data
Response code
0100
M
M
M
M
C
M
C
C
M
M
M
C
M
M
M
C
C
C
M
M
C
M
M
M
0110
M
M
M
M
C
M
C
C
M
M
M
C
M
C
C
M
M
C
C
C

DE03
Processing Code
Format
FIXED Value
n Length 6
Coding
BCD
30 Mini Statement
Format
n Length
Coding
Value
135
HLLVAR
0..99
ASCII
KIOSKMS

DE
02
03
04
05
06
07
09
10
11
12
13
14
18
22
32
35
37
38
39
41
42
43
49
50
51
52
53
54
122
DE Name
Processing code
Amount Transaction
Settlement Amount
Expiration Date
Merchants Type
Track-2 Data
Response code
Additional Amounts
0100
M
M
M
M
C
M
C
C
M
M
M
C
M
M
M
C
C
C
M
M
C
M
M
M
0110
M
M
M
M
C
M
C
C
M
M
M
C
M
C
C
M
M
C
C
C

DE03
Processing Code
Format
FIXED Value
n Length 6
Coding
BCD
30 Balance Inquiry
136

Format
n Length
Coding
Value
137
HLLVAR
0..99
ASCII
KIOSKBI

DE
02
03
04
05
06
07
09
10
11
12
13
14
18
22
32
35
37
39
41
42
43
49
50
51
100
102
103
122
DE Name
Processing code
Amount Transaction
Settlement Amount
Expiration Date
Merchants Type
Track-2 Data
Response code
From Account
To Account
0100
M
M
M
M
C
M
C
C
M
M
M
C
M
M
M
M
C
C
C
M
M
C
C
C
M
M
0110
M
M
M
M
C
M
C
C
M
M
M
M
C
C
M
M
C
C
C
C

DE03
Processing Code
Format
FIXED Value
n Length 6
Coding
BCD
Format
n Length
Coding
Value
138
HLLVAR
0..99
ASCII
KIOSKBP01

DE
02
03
04
05
06
07
09
10
11
12
13
14
18
22
32
35
37
38
39
41
42
43
49
50
51
52
53
100
102
103
122
DE Name
Processing code
Amount Transaction
Settlement Amount
Expiration Date
Merchants Type
Track-2 Data
Response code
From Account
To Account
0100
M
M
M
M
C
M
C
C
M
M
M
C
M
M
M
C
C
C
M
M
C
M
M
C
C
M
M
0110
M
M
M
M
C
M
C
C
M
M
M
C
M
C
C
M
M
C
C
C
C

DE03
Processing Code
Format
FIXED Value
n Length 6
Coding
BCD
139

Format
n Length
Coding
Value
140
HLLVAR
0..99
ASCII
KIOSKBP02
Kiosk Bill Payment (KIOSKBP02) Reversal

DE
02
03
04
05
06
07
09
10
11
12
13
14
18
22
32
35
37
38
39
41
42
43
49
50
51
90
100
102
103
122
DE Name
Processing code
Amount Transaction
Settlement Amount
Expiration Date
Merchants Type
Track-2 Data
Response code
From Account
To Account
141
0420
M
M
M
M
C
M
C
C
M
M
M
C
M
M
M
M
C
C
C
C
M
M
C
M
C
C
M
M
0430
M
M
M
M
C
M
C
C
M
M
M
M
C
C
M
M
C
M
C
C
C

DE
02
03
04
05
06
07
09
10
11
12
13
14
18
22
32
35
37
39
41
42
43
49
50
51
102
103
122
DE Name
Processing code
Amount Transaction
Settlement Amount
Expiration Date
Merchants Type
Track-2 Data
Response code
From Account
To Account
0100
M
M
M
M
C
M
C
C
M
M
M
C
M
M
M
M
C
C
C
M
M
C
C
M
M
0110
M
M
M
M
C
M
C
C
M
M
M
M
C
C
M
M
C
C
C
C

DE03
Processing Code
Format
FIXED Value
n Length 6
Coding
BCD
Format
n Length
Coding
Value
142
HLLVAR
0..99
ASCII
MBFT

DE
02
03
04
05
06
07
09
10
11
12
13
14
18
22
32
35
37
39
41
42
43
49
50
51
100
102
103
122
DE Name
Processing code
Amount Transaction
Settlement Amount
Expiration Date
Merchants Type
Track-2 Data
Response code
From Account
To Account
0100
M
M
M
M
C
M
C
C
M
M
M
C
M
M
M
M
C
C
C
M
M
C
C
C
M
M
0110
M
M
M
M
C
M
C
C
M
M
M
M
C
C
M
M
C
C
C
C

DE03
Processing Code
Format
FIXED Value
n Length 6
Coding
BCD
Format
n Length
Coding
Value
143
HLLVAR
0..99
ASCII
MBBP

DE
02
03
04
05
06
07
09
10
11
12
13
14
18
22
32
35
37
39
41
42
43
49
50
51
100
102
103
122
DE Name
Processing code
Amount Transaction
Settlement Amount
Expiration Date
Merchants Type
Track-2 Data
Response code
From Account
To Account
0100
M
M
M
M
C
M
C
C
M
M
M
C
M
M
M
M
C
C
C
M
M
C
C
C
M
M
0110
M
M
M
M
C
M
C
C
M
M
M
M
C
C
M
M
C
C
C
C

DE03
Processing Code
Format
FIXED Value
n Length 6
Coding
BCD
Format
n Length
Coding
Value
144
HLLVAR
0..99
ASCII
MBRP
e-Commerce Bill Payment

DE
02
03
04
05
06
07
09
10
11
12
13
14
18
22
32
35
37
38
39
41
42
43
47
49
50
51
52
53
100
102
103
122
DE Name
Processing code
Amount Transaction
Settlement Amount
Expiration Date
Merchants Type
Track-2 Data
Response code
From Account
To Account
0100
M
M
M
M
C
M
C
C
M
M
M
C
M
M
M
C
C
C
M
M
M
C
M
M
C
C
M
M
0110
M
M
M
M
C
M
C
C
M
M
M
C
M
C
C
C
M
M
C
C
C
C

DE03
Processing Code
Format
FIXED Value
n Length 6
Coding
BCD
145

Format
n Length
Coding
Value
146
HLLVAR
0..99
ASCII
ECBP
e-Commerce Bill Payment Reversal

DE
02
03
04
05
06
07
09
10
11
12
13
14
18
22
32
35
37
38
39
41
42
43
47
49
50
51
90
100
102
103
122
DE Name
Processing code
Amount Transaction
Settlement Amount
Expiration Date
Merchants Type
Track-2 Data
Response code
From Account
To Account
147
0420
M
M
M
M
C
M
C
C
M
M
M
C
M
M
M
M
C
C
C
C
C
M
M
C
M
C
C
M
M
0430
M
M
M
M
C
M
C
C
M
M
M
M
C
C
C
M
M
C
M
C
C
C
e-Commerce Retail Purchase

DE
02
03
04
05
06
07
09
10
11
12
13
14
18
22
32
35
37
38
39
41
42
43
47
49
50
51
52
53
100
102
103
122
DE Name
Processing code
Amount Transaction
Settlement Amount
Expiration Date
Merchants Type
Track-2 Data
Response code
From Account
To Account
0100
M
M
M
M
C
M
C
C
M
M
M
C
M
M
M
C
C
C
M
M
M
C
M
M
C
C
M
M
0110
M
M
M
M
C
M
C
C
M
M
M
C
M
C
C
C
M
M
C
C
C
C

DE03
Processing Code
Format
FIXED Value
n Length 6
Coding
BCD
148

Format
n Length
Coding
Value
149
HLLVAR
0..99
ASCII
ECRP
e-Commerce Retail Purchase Reversal

DE
02
03
04
05
06
07
09
10
11
12
13
14
18
22
32
35
37
38
39
41
42
43
47
49
50
51
90
100
102
103
122
DE Name
Processing code
Amount Transaction
Settlement Amount
Expiration Date
Merchants Type
Track-2 Data
Response code
From Account
To Account
150
0100
M
M
M
M
C
M
C
C
M
M
M
C
M
M
M
M
C
C
C
C
C
M
M
C
M
C
C
M
M
0110
M
M
M
M
C
M
C
C
M
M
M
M
C
C
C
M
M
C
M
C
C
C

DE
02
03
04
05
06
07
09
10
11
12
13
14
18
22
32
35
37
39
41
42
43
49
50
51
102
103
122
DE Name
Processing code
Amount Transaction
Settlement Amount
Expiration Date
Merchant's Type
Track-2 Data
Response code
From Account
To Account
0100
M
M
M
M
C
M
C
C
M
M
M
C
M
M
M
M
C
C
C
M
M
C
C
M
M
0110
M
M
M
M
C
M
C
C
M
M
M
M
C
C
M
M
C
C
C
C

DE03
Processing Code
Format
FIXED Value
n Length 6
Coding
BCD
Format
n Length
Coding
Value
151
HLLVAR
0..99
ASCII
IBFT

DE
02
03
04
05
06
07
09
10
11
12
13
14
18
22
32
35
37
39
41
42
43
49
50
51
100
102
103
122
DE Name
Processing code
Amount Transaction
Settlement Amount
Expiration Date
Merchants Type
Track-2 Data
Response code
From Account
To Account
0100
M
M
M
M
C
M
C
C
M
M
M
C
M
M
M
M
C
C
C
M
M
C
C
C
M
M
0110
M
M
M
M
C
M
C
C
M
M
M
M
C
C
M
M
C
C
C
C

Format
FIXED Value
n Length 6
Coding
BCD
Format
n Length
Coding
Value
152
HLLVAR
0..99
ASCII
IBBP
DETAILED ISO8583 MESSAGE SPECIFICATIONS FOR NPSB

This section contains the detail of ISO8583 Message Specification of each of NPSB Transaction.
Internal Bank (OTC) Funds Transfer
FIELD
NAME OF THE FIELD
FORMAT
CHARS
LENGTH
CODING
SAMPLE DATA
HLVAR
7-19
BCD
1000001111222230
Processing Code
FIXED
BCD
280000
Amount Transaction
FIXED
12
BCD
000001000000
Settlement Amount
FIXED
12
BCD
000001000000
FIXED
12
BCD
000001000000
10
BCD
1015113000
FIXED
BCD
00000000
10
FIXED
BCD
00000000
11
FIXED
BCD
153001
12
Local Transaction Time
FIXED
BCD
113000
13
Local Transaction Date
FIXED
BCD
1015
14
Expiration Date
FIXED
BCD
3209
18
Merchant's Type
FIXED
BCD
5999
22
FIXED
BCD
021
32
HLVAR
5-11
BCD
111111
35
Track-2 Data
HLVAR
z*
37
BCD
1000001111222234=3209
37
FIXED
an
12
211015113000
39
Response Code
an
00
41
FIXED
ans
90001000
42
FIXED
ans
15
999998999998998
43
FIXED
ans
40
1 Gulshan Ave
49
FIXED
BCD
050
50
FIXED
BCD
050
51
FIXED
BCD
050
102
Account Identification 1
HLVAR
ans
1111222234
103
HLVAR
ans
1231111222235
122
HLLVAR
ans
153
FIXED
FIXED
999
DHAKA
OTCFT
BD

FIELD
NAME OF THE FIELD
FORMAT
CHARS
LENGTH
CODING
SAMPLE DATA
HLVAR
7-19
BCD
2000001111222230
Processing Code
FIXED
BCD
100000
Amount Transaction
FIXED
12
BCD
000001000000
Settlement Amount
FIXED
12
BCD
000001000000
FIXED
12
BCD
000001000000
10
BCD
1015110900
FIXED
BCD
00000000
10
FIXED
BCD
00000000
11
FIXED
BCD
150901
12
FIXED
BCD
110900
13
FIXED
BCD
1015
14
Expiration Date
FIXED
BCD
3209
18
Merchant's Type
FIXED
BCD
6011
22
FIXED
BCD
021
32
Acquiring Institution ID
HLVAR
5-11
BCD
111111
35
Track-2 Data
HLVAR
z*
37
BCD
2000001111222232=3209
37
FIXED
an
12
211015110900
38
FIXED
an
A12345
39
Response Code
FIXED
an
00
41
FIXED
ans
90001000
42
Card Acceptor ID Code
FIXED
ans
15
999998999998998
FIXED
1 Gulshan Ave
43
FIXED
ans
40
49
FIXED
BCD
050
50
FIXED
BCD
050
51
FIXED
BCD
050
52
FIXED
64
BIT
F181203815FDC121
53
FIXED
16
BCD
5500000000000000
102
HLVAR
ans
154
BD
1111222234
DHAKA

103
HLVAR
ans
122
HLLVAR
ans
155
1111222235
999
ATMFT01

FIEL
D
NAME OF THE FIELD
FORMAT
CHARS
LENGTH
CODING
SAMPLE DATA
HLVAR
7-19
BCD
1000001111222230
Processing Code
FIXED
BCD
280000
Amount Transaction
FIXED
12
BCD
000001000000
Settlement Amount
FIXED
12
BCD
000001000000
FIXED
12
BCD
000001000000
10
BCD
1015110100
FIXED
BCD
00000000
10
FIXED
BCD
00000000
11
FIXED
BCD
150101
12
FIXED
BCD
110100
13
FIXED
BCD
1015
14
Expiration Date
FIXED
BCD
3209
18
Merchant's Type
FIXED
BCD
6011
22
FIXED
BCD
021
32
HLVAR
5-11
BCD
111111
35
Track-2 Data
HLVAR
z*
37
BCD
1000001111222234=3209
37
FIXED
an
12
211015110100
39
Response Code
an
00
41
FIXED
ans
90001000
42
FIXED
ans
15
999998999998998
43
FIXED
ans
40
1 Gulshan Ave
49
FIXED
BCD
050
50
FIXED
BCD
050
51
FIXED
BCD
050
102
HLVAR
ans
1111222234
103
HLVAR
ans
1231111222235
122
HLLVAR
ans
156
FIXED
FIXED
999
DHAKA
ATMFT02
BD

FIELD
NAME OF THE FIELD
FORMAT
CHARS
LENGTH
CODING
SAMPLE DATA
HLVAR
7-19
BCD
2000001111222230
Processing Code
FIXED
BCD
100000
Amount Transaction
FIXED
12
BCD
000001000000
Settlement Amount
FIXED
12
BCD
000001000000
FIXED
12
BCD
000001000000
10
BCD
1015110300
FIXED
BCD
00000000
10
FIXED
BCD
00000000
11
FIXED
BCD
150301
12
FIXED
BCD
110300
13
FIXED
BCD
1015
14
Expiration Date
FIXED
BCD
3209
18
Merchants Type
FIXED
BCD
6011
22
FIXED
BCD
021
32
HLVAR
5-11
BCD
121212
35
Track-2 Data
HLVAR
z*
37
BCD
2000001111222232=3209
37
FIXED
an
12
231015110300
38
FIXED
an
A12345
39
Response Code
FIXED
an
00
41
FIXED
ans
90001000
42
FIXED
ans
15
999998999998998
43
FIXED
ans
40
1 Gulshan Ave
49
FIXED
BCD
050
50
FIXED
BCD
050
51
FIXED
BCD
050
52
FIXED
64
BIT
F181203815FDC121
53
FIXED
16
BCD
5500000000000000
102
HLVAR
ans
1111222232
103
HLVAR
ans
1111222233
122
HLLVAR
ans
157
FIXED
999
DHAKA
ATMFT03
BD
ATM Cash Withdrawal

FIELD
NAME OF THE FIELD
FORMAT
CHARS
LENGTH
CODING
SAMPLE DATA
HLVAR
7-19
BCD
2000001111222230
Processing Code
FIXED
BCD
010000
Amount Transaction
FIXED
12
BCD
000000100000
Settlement Amount
FIXED
12
BCD
000000100000
FIXED
12
BCD
000000100000
10
BCD
1015110400
FIXED
BCD
00000000
10
FIXED
BCD
00000000
11
FIXED
BCD
150401
12
FIXED
BCD
110400
13
FIXED
BCD
1015
14
Expiration Date
FIXED
BCD
3209
18
Merchants Type
FIXED
BCD
6011
22
FIXED
BCD
021
32
HLVAR
5-11
BCD
111111
35
Track-2 Data
HLVAR
z*
37
BCD
2000001111222232=3209
37
FIXED
an
12
221015110400
38
FIXED
an
A23434
39
Response Code
FIXED
an
00
41
FIXED
ans
90001000
42
FIXED
ans
15
999998999998998
43
FIXED
ans
40
1 Gulshan Ave
49
FIXED
BCD
050
50
FIXED
BCD
050
51
FIXED
BCD
050
52
FIXED
64
BIT
F181203815FDC121
53
FIXED
16
BCD
5500000000000000
122
HLLVAR
ans
999
158
FIXED
DHAKA
ATMCW
BD
ATM Cash Deposit

FIELD
NAME OF THE FIELD
FORMAT
CHARS
LENGTH
CODING
SAMPLE DATA
HLVAR
7-19
BCD
2000001111222230
Processing Code
FIXED
BCD
280000
Amount Transaction
FIXED
12
BCD
000001000000
Settlement Amount
FIXED
12
BCD
000001000000
FIXED
12
BCD
000001000000
10
BCD
1015110600
FIXED
BCD
00000000
10
FIXED
BCD
00000000
11
FIXED
BCD
150601
12
FIXED
BCD
110600
13
FIXED
BCD
1015
14
Expiration Date
FIXED
BCD
3209
18
Merchant's Type
FIXED
BCD
6011
22
FIXED
BCD
021
32
HLVAR
5-11
BCD
121212
35
Track-2 Data
HLVAR
z*
37
BCD
2000001111222232=3209
37
FIXED
an
12
231015110600
38
FIXED
an
A23434
39
Response Code
FIXED
an
00
41
FIXED
ans
90001000
42
FIXED
ans
15
999998999998998
43
FIXED
ans
40
1 Gulshan Ave
49
FIXED
BCD
050
50
FIXED
BCD
050
51
FIXED
BCD
050
52
FIXED
64
BIT
F181203815FDC121
53
FIXED
16
BCD
5500000000000000
103
HLVAR
ans
122
HLLVAR
ans
159
FIXED
DHAKA
1111222232
999
ATMCD
BD
ATM Mini Statement

FIEL
D
NAME OF THE FIELD
FORMAT
CHARS
LENGTH
CODING
SAMPLE DATA
HLVAR
7-19
BCD
2000001111222230
Processing Code
FIXED
BCD
300000
Amount Transaction
FIXED
12
BCD
000000000000
Settlement Amount
FIXED
12
BCD
000000000000
FIXED
12
BCD
000000000000
FIXED
10
BCD
1015110700
FIXED
BCD
00000000
10
FIXED
BCD
00000000
11
FIXED
BCD
150701
12
FIXED
BCD
110700
13
FIXED
BCD
1015
14
Expiration Date
FIXED
BCD
3209
18
Merchants Type
FIXED
BCD
6011
22
FIXED
BCD
021
32
HLVAR
5-11
BCD
121212
35
Track-2 Data
HLVAR
z*
37
BCD
2000001111222232=3209
37
FIXED
an
12
121015110700
38
FIXED
an
A23434
39
Response Code
FIXED
an
00
41
FIXED
ans
90001000
42
FIXED
ans
15
999998999998998
43
FIXED
ans
40
1 Gulshan Ave
49
FIXED
BCD
050
50
FIXED
BCD
050
51
FIXED
BCD
050
52
FIXED
64
BIT
F181203815FDC121
53
FIXED
16
BCD
5500000000000000
122
HLLVAR
ans
999
n
n
DHAKA
BD
ATMMS
121013F050C000001000000121014
F050C000002500000121015F050C0
125
160
HLLVAR
ans
999
00001500000121016F050C0000070

00000121017F050C000008000000
DE125 Supporting Information
Format
HLLVAR
Value
ans
Length
0..999
Coding
ASCII
Field 125 is a private-use field. In Mini-Statement response messages it is used for statement information. The field
contains up to 10 repeated group of transaction information:
Positions 16, Transaction Date: Transaction date in "YYMMDD" format.
Positions 7, Transaction Type: Specify if it is a financial transaction or authorization: 'A' authorization 'F' financial
transaction
Positions 810, Currency Code: A 3-digit code that defines the currency used in Positions 1223.
Positions 11, Transaction sign: A 1-digit code that defines the amount of the transaction as either positive or
negative. 'C' Positive amount 'D' Negative amount
Positions 1223, Amount: A twelve-character amount that is right-justified and contains leading zeros. The
amount also includes an implied decimal relative to the currency code specified in positions 810.
161
ATM Balance Inquiry

FIEL
D
NAME OF THE FIELD
FORMAT
CHARS
LENGTH
CODING
SAMPLE DATA
HLVAR
7-19
BCD
2000001111222230
Processing Code
FIXED
BCD
300000
Amount Transaction
FIXED
12
BCD
000000000000
Settlement Amount
FIXED
12
BCD
000000000000
FIXED
12
BCD
000000000000
10
BCD
1015110800
FIXED
BCD
00000000
10
FIXED
BCD
00000000
11
FIXED
BCD
150801
12
FIXED
BCD
110800
13
FIXED
BCD
1015
14
Expiration Date
FIXED
BCD
3209
18
Merchant's Type
FIXED
BCD
6011
22
FIXED
BCD
021
32
HLVAR
5-11
BCD
121212
35
Track-2 Data
HLVAR
z*
37
BCD
2000001111222232=3209
37
FIXED
an
12
251015110800
38
FIXED
an
A23434
39
Response Code
FIXED
an
00
41
FIXED
ans
90001000
42
FIXED
ans
15
999998999998998
43
FIXED
ans
40
1 Gulshan Ave
49
FIXED
BCD
050
50
BCD
050
51
BCD
050
52
FIXED
64
BIT
F181203815FDC121
53
FIXED
16
BCD
5500000000000000
54
Additional Amounts
HLLVAR
ans
20
1002050C000001000000
122
HLLVAR
ans
999
ATMBI
162
FIXED
FIXED
FIXED
n
n
DHAKA
BD

FIELD
NAME OF THE FIELD
FORMAT
CHARS
LENGTH
CODING
SAMPLE DATA
HLVAR
7-19
BCD
1000001111222230
Processing Code
FIXED
BCD
000000
Amount Transaction
FIXED
12
BCD
000001000000
Settlement Amount
FIXED
12
BCD
000001000000
FIXED
12
BCD
000001000000
10
BCD
1015110900
FIXED
BCD
00000000
10
FIXED
BCD
00000000
11
FIXED
BCD
150901
12
FIXED
BCD
110900
13
FIXED
BCD
1015
14
Expiration Date
FIXED
BCD
3209
18
Merchant's Type
FIXED
BCD
6011
22
FIXED
BCD
021
32
HLVAR
5-11
BCD
121212
35
Track-2 Data
HLVAR
z*
37
BCD
1000001111222234=3209
37
FIXED
an
12
261015110900
39
Response Code
an
00
41
FIXED
ans
90001000
42
FIXED
ans
15
999998999998998
43
FIXED
ans
40
1 Gulshan Ave
49
FIXED
BCD
050
50
FIXED
BCD
050
51
FIXED
BCD
050
100
HLVAR
11
BCD
131313
102
HLVAR
ans
1111222234
103
HLVAR
ans
1111222235
122
HLLVAR
ans
163
FIXED
FIXED
999
DHAKA
ATMBP01
BD

FIEL
D
NAME OF THE FIELD
FORMAT
CHARS
LENGTH
CODING
SAMPLE DATA
HLVAR
7-19
BCD
2000001111222230
Processing Code
FIXED
BCD
000000
Amount Transaction
FIXED
12
BCD
000001000000
Settlement Amount
FIXED
12
BCD
000001000000
FIXED
12
BCD
000001000000
10
BCD
1015111700
FIXED
BCD
00000000
10
FIXED
BCD
00000000
11
FIXED
BCD
151701
12
FIXED
BCD
111700
13
FIXED
BCD
1015
14
Expiration Date
FIXED
BCD
3209
18
Merchants Type
FIXED
BCD
6011
22
FIXED
BCD
021
32
HLVAR
5-11
BCD
121212
35
Track-2 Data
HLVAR
z*
37
BCD
2000001111222232=3209
37
FIXED
an
12
261015111700
38
FIXED
an
A62382
39
Response Code
FIXED
an
00
41
FIXED
ans
90001000
42
FIXED
ans
15
999998999998998
43
FIXED
ans
40
1 Gulshan Ave
49
FIXED
BCD
050
50
FIXED
BCD
050
51
FIXED
BCD
050
52
FIXED
64
BIT
F181203815FDC121
53
FIXED
16
BCD
5500000000000000
100
HLVAR
11
BCD
131313
102
HLVAR
ans
1111222234
103
HLVAR
ans
1111222235
122
HLLVAR
ans
164
FIXED
999
DHAKA
ATMBP02
BD
POS Cash Advance

FIELD
NAME OF THE FIELD
FORMAT
CHARS
LENGTH
CODING
SAMPLE DATA
HLVAR
7-19
BCD
2000001111222230
Processing Code
FIXED
BCD
010000
Amount Transaction
FIXED
12
BCD
000001000000
Settlement Amount
FIXED
12
BCD
000001000000
FIXED
12
BCD
000001000000
10
BCD
1015111800
FIXED
BCD
00000000
10
FIXED
BCD
00000000
11
FIXED
BCD
151801
12
FIXED
BCD
111800
13
FIXED
BCD
1015
14
Expiration Date
FIXED
BCD
3209
18
Merchant's Type
FIXED
BCD
6010
22
FIXED
BCD
021
32
HLVAR
5-11
BCD
121212
35
Track-2 Data
HLVAR
z*
37
BCD
2000001111222232=3209
37
FIXED
an
12
311015111800
38
FIXED
an
A62382
39
Response Code
FIXED
an
00
41
FIXED
ans
90001000
42
FIXED
ans
15
999998999998998
43
FIXED
ans
40
1 Gulshan Ave
49
FIXED
BCD
050
50
FIXED
BCD
050
51
FIXED
BCD
050
52
FIXED
64
BIT
F181203815FDC121
53
FIXED
16
BCD
5500000000000000
122
HLLVAR
ans
999
165
FIXED
DHAKA
POSCA
BD
POS Bill Payment

FIEL
D
NAME OF THE FIELD
FORMAT
CHARS
LENGTH
CODING
SAMPLE DATA
HLVAR
7-19
BCD
2000001111222230
Processing Code
FIXED
BCD
000000
Amount Transaction
FIXED
12
BCD
000001000000
Settlement Amount
FIXED
12
BCD
000001000000
Amount, Cardholder Billing
FIXED
12
BCD
000001000000
10
BCD
1015111900
FIXED
BCD
00000000
10
FIXED
BCD
00000000
11
FIXED
BCD
151901
12
FIXED
BCD
111900
13
FIXED
BCD
1015
14
Expiration Date
FIXED
BCD
3209
18
Merchant's Type
FIXED
BCD
5999
22
FIXED
BCD
021
32
HLVAR
5-11
BCD
121212
35
Track-2 Data
HLVAR
z*
37
BCD
2000001111222232=3209
37
FIXED
an
12
331015111900
38
FIXED
an
A62382
39
Response Code
FIXED
an
00
41
FIXED
ans
90001000
42
FIXED
ans
15
999998999998998
43
FIXED
ans
40
1 Gulshan Ave
49
FIXED
BCD
050
50
FIXED
BCD
050
51
FIXED
BCD
050
52
FIXED
64
BIT
F181203815FDC121
53
FIXED
16
BCD
5500000000000000
100
HLVAR
11
BCD
131313
102
HLVAR
ans
1111222232
103
HLVAR
ans
1231111222233
166
FIXED
DHAKA
BD

122
167
HLLVAR
ans
999
POSBP
POS Retail Purchase

FIEL
D
NAME OF THE FIELD
FORMAT
CHARS
LENGTH
CODING
SAMPLE DATA
HLVAR
7-19
BCD
2000001111222230
Processing Code
FIXED
BCD
000000
Amount Transaction
FIXED
12
BCD
000001000000
Settlement Amount
FIXED
12
BCD
000001000000
FIXED
12
BCD
000001000000
10
BCD
1015112100
FIXED
BCD
00000000
10
FIXED
BCD
00000000
11
FIXED
BCD
152101
12
FIXED
BCD
112100
13
FIXED
BCD
1015
14
Expiration Date
FIXED
BCD
3209
18
Merchant's Type
FIXED
BCD
5999
22
FIXED
BCD
021
32
HLVAR
5-11
BCD
121212
35
Track-2 Data
HLVAR
z*
37
BCD
2000001111222232=3209
37
FIXED
an
12
331015112100
38
FIXED
an
A62382
39
Response Code
FIXED
an
00
41
FIXED
ans
90001000
42
FIXED
ans
15
999998999998998
43
FIXED
ans
40
1 Gulshan Ave
49
FIXED
BCD
050
50
FIXED
BCD
050
51
FIXED
BCD
050
52
FIXED
64
BIT
F181203815FDC121
53
FIXED
16
BCD
5500000000000000
100
Receiving Institution ID Code
HLVAR
11
BCD
131313
102
HLVAR
ans
1111222232
103
HLVAR
ans
1231111222233
122
HLLVAR
ans
168
FIXED
999
DHAKA
POSRP
BD

FIELD
NAME OF THE FIELD
FORMAT
CHARS
LENGTH
CODING
SAMPLE DATA
HLVAR
7-19
BCD
2000001111222230
Processing Code
FIXED
BCD
100000
Amount Transaction
FIXED
12
BCD
000001000000
Settlement Amount
FIXED
12
BCD
000001000000
FIXED
12
BCD
000001000000
10
BCD
1015112200
FIXED
BCD
00000000
10
FIXED
BCD
00000000
11
FIXED
BCD
152201
12
FIXED
BCD
112200
13
FIXED
BCD
1015
14
Expiration Date
FIXED
BCD
3209
18
Merchant's Type
FIXED
BCD
6011
22
FIXED
BCD
021
32
HLVAR
5-11
BCD
111111
35
Track-2 Data
HLVAR
z*
37
BCD
2000001111222232=3209
37
FIXED
an
12
211015112200
38
FIXED
an
A62382
39
Response Code
FIXED
an
00
41
FIXED
ans
90001000
42
FIXED
ans
15
999998999998998
43
FIXED
ans
40
1 Gulshan Ave
49
FIXED
BCD
050
50
FIXED
BCD
050
51
FIXED
BCD
050
52
FIXED
64
BIT
F181203815FDC121
53
FIXED
16
BCD
5500000000000000
102
HLVAR
ans
1111222231
103
HLVAR
ans
1111222232
122
HLLVAR
ans
169
FIXED
999
DHAKA
KIOSKFT01
BD
FIELD
NAME OF THE FIELD
FORMAT
CHARS
LENGTH
CODING
SAMPLE DATA
HLVAR
7-19
BCD
1000001111222230
Processing Code
FIXED
BCD
280000
Amount Transaction
FIXED
12
BCD
000001000000
Settlement Amount
FIXED
12
BCD
000001000000
FIXED
12
BCD
000001000000
10
BCD
1015112300
FIXED
BCD
00000000
10
FIXED
BCD
00000000
11
FIXED
BCD
152301
12
FIXED
BCD
112300
13
FIXED
BCD
1015
14
Expiration Date
FIXED
BCD
3209
18
Merchant's Type
FIXED
BCD
6011
22
FIXED
BCD
021
32
HLVAR
5-11
BCD
111111
35
Track-2 Data
HLVAR
z*
37
BCD
1000001111222234=3209
37
FIXED
an
12
211015112300
39
Response Code
an
00
41
FIXED
ans
90001000
42
FIXED
ans
15
999998999998998
43
FIXED
ans
40
1 Gulshan Ave
49
FIXED
BCD
050
50
FIXED
BCD
050
51
FIXED
BCD
050
102
HLVAR
ans
1111222231
103
HLVAR
ans
1231111222235
122
HLLVAR
ans
170
FIXED
FIXED
999
DHAKA
KIOSKFT02
BD

FIEL
D
NAME OF THE FIELD
FORMAT
CHARS
LENGTH
CODING
SAMPLE DATA
HLVAR
7-19
BCD
2000001111222230
Processing Code
FIXED
BCD
100000
Amount Transaction
FIXED
12
BCD
000001000000
Settlement Amount
FIXED
12
BCD
000001000000
FIXED
12
BCD
000001000000
10
BCD
1015112400
FIXED
BCD
00000000
10
FIXED
BCD
00000000
11
FIXED
BCD
152401
12
FIXED
BCD
112400
13
FIXED
BCD
1015
14
Expiration Date
FIXED
BCD
3209
18
Merchant's Type
FIXED
BCD
6011
22
FIXED
BCD
021
32
HLVAR
5-11
BCD
121212
35
Track-2 Data
HLVAR
z*
37
BCD
2000001111222232=3209
37
FIXED
an
12
231015112400
38
FIXED
an
A62382
39
Response Code
FIXED
an
00
41
FIXED
ans
90001000
42
FIXED
ans
15
999998999998998
43
FIXED
ans
40
1 Gulshan Ave
49
FIXED
BCD
050
50
FIXED
BCD
050
51
FIXED
BCD
050
52
FIXED
64
BIT
F181203815FDC121
53
FIXED
16
BCD
5500000000000000
102
HLVAR
ans
1111222232
103
HLVAR
ans
1111222233
122
HLLVAR
ans
171
FIXED
999
DHAKA
KIOSKFT03
BD
FIELD
NAME OF THE FIELD
FORMAT
CHARS
LENGTH
CODING
SAMPLE DATA
HLVAR
7-19
BCD
2000001111222230
Processing Code
FIXED
BCD
300000
Amount Transaction
FIXED
12
BCD
000000000000
Settlement Amount
FIXED
12
BCD
000000000000
FIXED
12
BCD
000000000000
10
BCD
1015112500
FIXED
BCD
00000000
10
FIXED
BCD
00000000
11
FIXED
BCD
152501
12
FIXED
BCD
112500
13
FIXED
BCD
1015
14
Expiration Date
FIXED
BCD
3209
18
Merchant's Type
FIXED
BCD
6011
22
FIXED
BCD
021
32
HLVAR
5-11
BCD
121212
35
Track-2 Data
HLVAR
z*
37
BCD
2000001111222232=3209
37
FIXED
an
12
121015112500
38
FIXED
an
A62382
39
Response Code
FIXED
an
00
41
FIXED
ans
90001000
42
FIXED
ans
15
999998999998998
43
FIXED
ans
40
1 Gulshan Ave
49
FIXED
BCD
050
50
BCD
050
51
BCD
050
52
FIXED
64
BIT
F181203815FDC121
53
FIXED
16
BCD
5500000000000000
122
HLLVAR
ans
999
172
FIXED
FIXED
FIXED
n
n
DHAKA
KIOSKMS
BD

125
HLLVAR
ans
999
121013F050C00000100000012101
4F050C000002500000121015F050C
000001500000121016F050C00000
7000000121017F050C0000080000
00
DE125 Supporting Information

Format
HLLVAR
Value
ans
Length
0..999
Coding
ASCII
Field 125 is a private-use field. In Mini-Statement response messages it is used for statement information. The field
contains up to 10 repeated group of transaction information:
Positions 16, Transaction Date: Transaction date in "YYMMDD" format.
Positions 7, Transaction Type: Specify if it is a financial transaction or authorization: 'A' authorization 'F' financial
transaction
Positions 810, Currency Code: A 3-digit code that defines the currency used in Positions 1223.
Positions 11, Transaction sign: A 1-digit code that defines the amount of the transaction as either positive or
negative. 'C' Positive amount 'D' Negative amount
Positions 1223, Amount: A twelve-character amount that is right-justified and contains leading zeros. The
amount also includes an implied decimal relative to the currency code specified in positions 810
173

FIEL
D
NAME OF THE FIELD
FORMAT
CHARS
LENGTH
CODING
SAMPLE DATA
HLVAR
7-19
BCD
2000001111222230
Processing Code
FIXED
BCD
300000
Amount Transaction
FIXED
12
BCD
000000000000
Settlement Amount
FIXED
12
BCD
000000000000
FIXED
12
BCD
000000000000
10
BCD
1015112600
FIXED
BCD
00000000
10
FIXED
BCD
00000000
11
FIXED
BCD
152601
12
FIXED
BCD
112600
13
FIXED
BCD
1015
14
Expiration Date
FIXED
BCD
3209
18
Merchant's Type
FIXED
BCD
6011
22
FIXED
BCD
021
32
HLVAR
5-11
BCD
121212
35
Track-2 Data
HLVAR
z*
37
BCD
2000001111222232=3209
37
FIXED
an
12
251015112600
38
FIXED
an
A62382
39
Response Code
FIXED
an
00
41
FIXED
ans
90001000
42
FIXED
ans
15
999998999998998
43
FIXED
ans
40
1 Gulshan Ave
49
FIXED
BCD
050
50
BCD
050
51
BCD
050
52
FIXED
64
BIT
F181203815FDC121
53
FIXED
16
BCD
5500000000000000
54
Additional Amounts
HLLVAR
ans
20
1002050C000001000000
122
HLLVAR
ans
999
KIOSKBI
174
FIXED
FIXED
FIXED
n
n
DHAKA
BD

FIELD
NAME OF THE FIELD
FORMAT
CHARS
LENGTH
CODING
SAMPLE DATA
HLVAR
7-19
BCD
1000001111222230
Processing Code
FIXED
BCD
000000
Amount Transaction
FIXED
12
BCD
000001000000
Settlement Amount
FIXED
12
BCD
000001000000
FIXED
12
BCD
000001000000
10
BCD
1015112700
FIXED
BCD
00000000
10
FIXED
BCD
00000000
11
FIXED
BCD
152701
12
FIXED
BCD
112700
13
FIXED
BCD
1015
14
Expiration Date
FIXED
BCD
3209
18
Merchant's Type
FIXED
BCD
6011
22
FIXED
BCD
021
32
HLVAR
5-11
BCD
121212
35
Track-2 Data
HLVAR
z*
37
BCD
1000001111222234=3209
37
FIXED
an
12
261015112700
39
Response Code
an
00
41
FIXED
ans
90001000
42
FIXED
ans
15
999998999998998
43
FIXED
ans
40
1 Gulshan Ave
49
FIXED
BCD
050
50
FIXED
BCD
050
51
FIXED
BCD
050
100
HLVAR
11
BCD
131313
102
HLVAR
ans
1111222234
103
HLVAR
ans
1111222235
122
HLLVAR
ans
175
FIXED
FIXED
999
DHAKA
KIOSKBP01
BD

FIEL
D
NAME OF THE FIELD
FORMAT
CHARS
LENGTH
CODING
SAMPLE DATA
HLVAR
7-19
BCD
2000001111222230
Processing Code
FIXED
BCD
000000
Amount Transaction
FIXED
12
BCD
000001000000
Settlement Amount
FIXED
12
BCD
000001000000
FIXED
12
BCD
000001000000
10
BCD
1015112800
FIXED
BCD
00000000
10
FIXED
BCD
00000000
11
FIXED
BCD
152801
12
FIXED
BCD
112800
13
FIXED
BCD
1015
14
Expiration Date
FIXED
BCD
3209
18
Merchant's Type
FIXED
BCD
6011
22
FIXED
BCD
021
32
HLVAR
5-11
BCD
121212
35
Track-2 Data
HLVAR
z*
37
BCD
2000001111222232=3209
37
FIXED
an
12
261015112800
38
FIXED
an
A62382
39
Response Code
FIXED
an
00
41
FIXED
ans
90001000
42
FIXED
ans
15
999998999998998
43
FIXED
ans
40
1 Gulshan Ave
49
FIXED
BCD
050
50
FIXED
BCD
050
51
FIXED
BCD
050
52
FIXED
64
BIT
F181203815FDC121
53
FIXED
16
BCD
5500000000000000
100
HLVAR
11
BCD
131313
102
HLVAR
ans
176
FIXED
DHAKA
1111222234
BD

103
HLVAR
ans
122
HLLVAR
ans
177
1111222235
999
KIOSKBP02

FIELD
NAME OF THE FIELD
FORMAT
CHARS
LENGTH
CODING
SAMPLE DATA
HLVAR
7-19
BCD
1000001111222230
Processing Code
FIXED
BCD
280000
Amount Transaction
FIXED
12
BCD
000001000000
Settlement Amount
FIXED
12
BCD
000001000000
FIXED
12
BCD
000001000000
10
BCD
1015112900
FIXED
BCD
00000000
10
FIXED
BCD
00000000
11
FIXED
BCD
152901
12
FIXED
BCD
112900
13
FIXED
BCD
1015
14
Expiration Date
FIXED
BCD
3209
18
Merchant's Type
FIXED
BCD
6011
22
FIXED
BCD
021
32
HLVAR
5-11
BCD
111111
35
Track-2 Data
HLVAR
z*
37
BCD
1000001111222234=3209
37
FIXED
an
12
211015112900
39
Response Code
an
00
41
FIXED
ans
90001000
42
FIXED
ans
15
999998999998998
43
FIXED
ans
40
1 Gulshan Ave
49
FIXED
BCD
050
50
FIXED
BCD
050
51
FIXED
BCD
050
102
HLVAR
ans
1111222231
103
HLVAR
ans
1231111222235
122
HLLVAR
ans
178
FIXED
FIXED
999
DHAKA
MBFT
BD

FIELD
NAME OF THE FIELD
FORMAT
CHARS
LENGTH
CODING
SAMPLE DATA
HLVAR
7-19
BCD
1000001111222230
Processing Code
FIXED
BCD
000000
Amount Transaction
FIXED
12
BCD
000001000000
Settlement Amount
FIXED
12
BCD
000001000000
FIXED
12
BCD
000001000000
FIXED
10
BCD
1015113000
FIXED
BCD
00000000
10
FIXED
BCD
00000000
11
FIXED
BCD
153001
12
FIXED
BCD
113000
13
FIXED
BCD
1015
14
Expiration Date
FIXED
BCD
3209
18
Merchant's Type
FIXED
BCD
6011
22
FIXED
BCD
021
32
HLVAR
5-11
BCD
121212
35
Track-2 Data
HLVAR
z*
37
BCD
1000001111222234=3209
37
FIXED
an
12
261015113000
39
Response Code
FIXED
an
00
41
FIXED
ans
90001000
42
FIXED
ans
15
999998999998998
43
FIXED
ans
40
1 Gulshan Ave
49
FIXED
BCD
050
50
FIXED
BCD
050
51
FIXED
BCD
050
100
HLVAR
11
BCD
131313
102
HLVAR
ans
1111222234
103
HLVAR
ans
1111222235
122
HLLVAR
ans
179
999
DHAKA
MBBP
BD

FIELD
NAME OF THE FIELD
FORMAT
CHARS
LENGTH
CODING
SAMPLE DATA
HLVAR
7-19
BCD
2000001111222230
Processing Code
FIXED
BCD
000000
Amount Transaction
FIXED
12
BCD
000001000000
Settlement Amount
FIXED
12
BCD
000001000000
FIXED
12
BCD
000001000000
10
BCD
1015113100
FIXED
BCD
00000000
10
FIXED
BCD
00000000
11
FIXED
BCD
153101
12
FIXED
BCD
113100
13
FIXED
BCD
1015
14
Expiration Date
FIXED
BCD
3209
18
Merchant's Type
FIXED
BCD
6011
22
FIXED
BCD
21
32
HLVAR
5-11
BCD
121212
35
Track-2 Data
HLVAR
z*
37
BCD
2000001111222232=3209
37
FIXED
an
12
331015113100
39
Response Code
an
00
41
FIXED
ans
90001000
42
FIXED
ans
15
999998999998998
43
FIXED
ans
40
1 Gulshan Ave
49
FIXED
BCD
050
50
FIXED
BCD
050
51
FIXED
BCD
050
100
HLVAR
11
BCD
131313
102
HLVAR
ans
1111222232
103
HLVAR
ans
1231111222233
122
HLLVAR
ans
180
FIXED
FIXED
999
DHAKA
MBRP
BD
e-Commerce Bill Payment

FIEL
D
NAME OF THE FIELD
FORMAT
CHARS
LENGTH
CODING
SAMPLE DATA
HLVAR
7-19
BCD
1000001111222230
Processing Code
FIXED
BCD
000000
Amount Transaction
FIXED
12
BCD
000001000000
Settlement Amount
FIXED
12
BCD
000001000000
FIXED
12
BCD
000001000000
10
BCD
1015113200
FIXED
BCD
00000000
10
FIXED
BCD
00000000
11
FIXED
BCD
153201
12
FIXED
BCD
113200
13
FIXED
BCD
1015
14
Expiration Date
FIXED
BCD
3209
18
Merchant's Type
FIXED
BCD
5999
22
FIXED
BCD
021
32
HLVAR
5-11
BCD
121212
35
Track-2 Data
HLVAR
z*
37
BCD
1000001111222234=3209
37
FIXED
an
12
261015113200
38
FIXED
an
A62382
39
Response Code
FIXED
an
00
41
FIXED
ans
90001000
42
FIXED
ans
15
999998999998998
43
FIXED
ans
40
1 Gulshan Ave
47
HLLVAR
ans
3-999
FIXED
DHAKA
914003123 (Request)
915001M (Response)
49
50
FIXED
51
FIXED
52
FIXED
53
FIXED
100
HLVAR
181
FIXED
BCD
050
BCD
050
BCD
050
64
BIT
F181203815FDC121
16
BCD
5500000000000000
11
BCD
131313
n
n
BD

102
HLVAR
ans
1111222234
103
HLVAR
ans
1111222235
122
HLLVAR
ans
999
ECBP
Proprietary field 47 sub-elements

There is a basic set of sub-elements. The set of the sub-elements can be expanded depend on required interface
functionality.
Tag ID
Tag Length
Description
914
3
Tag for CVV2/CVC2 Value common for VISA and EURO.
914
4
Tag for AMEX 4CSC Value.
915
1
Tag for CVV2/4CSC results of verification:
'M': Valid or matched CVC2/4CSC code
'N': Invalid CVC2/4CSC code
'P': Not processed
'U': User is unregistered
'Y': No match when only CVC1 was present in the message. 'S' The CVV2 should be on the
card but the merchant indicates it is not.
182
e-Commerce Retail Purchase

NAME OF THE FIELD
FIEL
FORMAT
CHARS
LENGTH
CODING
SAMPLE DATA
D
2
HLVAR
7-19
BCD
2000001111222230
Processing Code
FIXED
BCD
000000
Amount Transaction
FIXED
12
BCD
000001000000
Settlement Amount
FIXED
12
BCD
000001000000
FIXED
12
BCD
000001000000
FIXED
10
BCD
1015113300
FIXED
BCD
00000000
10
FIXED
BCD
00000000
11
FIXED
BCD
153301
12
FIXED
BCD
113300
13
FIXED
BCD
1015
14
Expiration Date
FIXED
BCD
3209
18
Merchant's Type
FIXED
BCD
5999
22
FIXED
BCD
021
32
HLVAR
5-11
BCD
121212
35
Track-2 Data
HLVAR
z*
37
BCD
2000001111222232=3209
37
FIXED
an
12
331015113300
38
FIXED
an
A62382
39
Response Code
FIXED
an
00
41
FIXED
ans
90001000
42
FIXED
ans
15
999998999998998
43
FIXED
ans
40
1 Gulshan Ave
47
HLLVAR
ans
3-999
DHAKA
914003123 (Request)
915001M (Response)
49
FIXED
BCD
050
50
FIXED
BCD
050
51
FIXED
BCD
050
52
FIXED
64
BIT
F181203815FDC121
53
FIXED
16
BCD
5500000000000000
100
HLVAR
11
BCD
131313
183
BD

102
HLVAR
ans
1111222232
103
HLVAR
ans
1231111222233
122
HLLVAR
ans
999
ECRP
Proprietary field 47 sub-elements

There is a basic set of sub-elements. The set of the sub-elements can be expanded depend on required interface
functionality.
Tag ID
Tag Length
Description
914
914
915
184
3
4
1
Tag for CVV2/CVC2 Value common for VISA and EURO.

Tag for AMEX 4CSC Value.
Tag for CVV2/4CSC results of verification:
'M': Valid or matched CVC2/4CSC code
'N': Invalid CVC2/4CSC code
'P': Not processed
'U': User is unregistered
'Y': No match when only CVC1 was present in the message. 'S' The CVV2 should be on the
card but the merchant indicates it is not.

FIELD
NAME OF THE FIELD
FORMAT
CHARS
LENGTH
CODING
SAMPLE DATA
HLVAR
7-19
BCD
1000001111222230
Processing Code
FIXED
BCD
280000
Amount Transaction
FIXED
12
BCD
000001000000
Settlement Amount
FIXED
12
BCD
000001000000
FIXED
12
BCD
000001000000
10
BCD
1015113400
FIXED
BCD
00000000
10
FIXED
BCD
00000000
11
FIXED
BCD
153401
12
FIXED
BCD
113400
13
FIXED
BCD
1015
14
Expiration Date
FIXED
BCD
3209
18
Merchant's Type
FIXED
BCD
5999
22
FIXED
BCD
021
32
HLVAR
5-11
BCD
111111
35
Track-2 Data
HLVAR
z*
37
BCD
1000001111222234=3209
37
FIXED
an
12
211015113400
39
Response Code
an
00
41
FIXED
ans
90001000
42
FIXED
ans
15
999998999998998
43
FIXED
ans
40
1 Gulshan Ave
49
FIXED
BCD
050
50
FIXED
BCD
050
51
FIXED
BCD
050
102
HLVAR
ans
1111222231
103
HLVAR
ans
1231111222235
122
HLLVAR
ans
185
FIXED
FIXED
999
DHAKA
IBFT
BD

FIELD
NAME OF THE FIELD
FORMAT
CHARS
LENGTH
CODING
SAMPLE DATA
HLVAR
7-19
BCD
1000001111222230
Processing Code
FIXED
BCD
000000
Amount Transaction
FIXED
12
BCD
000001000000
Settlement Amount
FIXED
12
BCD
000001000000
FIXED
12
BCD
000001000000
10
BCD
1015113500
FIXED
BCD
00000000
10
FIXED
BCD
00000000
11
FIXED
BCD
153501
12
FIXED
BCD
113500
13
FIXED
BCD
1015
14
Expiration Date
FIXED
BCD
3209
18
Merchant's Type
FIXED
BCD
5999
22
FIXED
BCD
021
32
HLVAR
5-11
BCD
121212
35
Track-2 Data
HLVAR
z*
37
BCD
1000001111222234=3209
37
FIXED
an
12
261015113500
39
Response Code
an
00
41
FIXED
ans
90001000
42
FIXED
ans
15
999998999998998
43
FIXED
ans
40
1 Gulshan Ave
49
FIXED
BCD
050
50
FIXED
BCD
050
51
FIXED
BCD
050
100
HLVAR
11
BCD
131313
102
HLVAR
ans
1111222234
103
HLVAR
ans
1111222235
122
HLLVAR
ans
186
FIXED
FIXED
999
DHAKA
IBBP
BD

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BANGLADESH BANK

NATIONAL PAYMENT SWITCH PROJECT

DISCOVERY REPORT - Updated

11TH DECEMBER 2012

National Payment Switch Bangladesh (NPSB)

Private and Confidential

National Payment Switch Bangladesh (NPSB)

Transaction types .................................................................................................................................... 15

Transaction Flow Diagrams ..................................................................................................................... 17

Private and Confidential

National Payment Switch Bangladesh (NPSB)

ISO8583 REVERSAL ADVICE MESSAGE FOR NPSB .................................................................................. 72

Private and Confidential

National Payment Switch Bangladesh (NPSB)

Dispute Management .............................................................................................................................. 93

FIELD CONDITION ISO8583 MESSAGE FOR NPSB .................................................................................. 103

Private and Confidential

National Payment Switch Bangladesh (NPSB)

Private and Confidential

National Payment Switch Bangladesh (NPSB)

DETAILED ISO8583 MESSAGE SPECIFICATIONS FOR NPSB .................................................................... 153

Private and Confidential

National Payment Switch Bangladesh (NPSB)

Private and Confidential

National Payment Switch Bangladesh (NPSB)

Dutch-Bangla Bank Limited (DBBL)

BRAC Bank Limited

Islami Bank Bangladesh

Standard Chartered Bank

The City Bank

Standard Bank Limited

Core banking system

PAD ePayment Gateway

Private and Confidential

National Payment Switch Bangladesh (NPSB)

specific job types

archiving rules specific to WAY4 DB schema

Multiple Financial Institutions

Core Banking Batch Interface

Standard CBS Batch File Format

Host to Host Online Interfaces

with e-Payment Gateway of Public Accounts Department (WAY4 Standard ISO8583,

with e-payment Gateway of Public Accounts Department (WAY4 Standard XML)

to seventeen (17)financial institutions (WAY4 Standard XML)

includes Authorization (BankNet), Clearing & Settlement (IPM)

includes Authorization (VIP), Clearing & Settlement (BASE II)

Third Party Batch Interfaces (FTP Reconciliation Processing)

American Express Interface

includes Authorization (GNS), Clearing & Settlement (GNS)

Private and Confidential

National Payment Switch Bangladesh (NPSB)

Numeric digits 0 through 9

Alphabetic and Special Characters

Date + Format in field description

Binary representation of data

Copy from request

Copy if present in request

Private and Confidential

National Payment Switch Bangladesh (NPSB)