ISO8583 Summary Page 1 sur 12

Author : Andrew Marshall

ISO8583 Summary
COPYRIGHT All rights reserved. No part of this document may be reproduced or transmitted
in any form or by any means, electronic, mechanical, photocopying, recording or otherwise
stored in any retrieval system of any nature without the prior written permission of Andrew
Marshall.

This material is trade secret and its confidentiality is strictly maintained. Use of any copyright
notice does not imply unrestricted public access to this material.

Copyright © 1997 Andrew Marshall

This is NOT the complete standard. You must obtain this from ISO. This is
a summary that I use when teaching financial system messaging, and am
asked for on a frequent basis.

There are many different implementations of ISO8583, any many local

variations. Fields applicable to the ISO standard are identified as 'True' in
the standard column.

Message types

ISO8583 Description
message
number
0100 Authorisation request
0101 Authorisation request repeat
0102 Authorisation completion confirmation
0103 Authorisation completion confirmation
repeat
0110 Authorisation request response
0112 Authorisation completion response
0120 Authorisation advice
0121 Authorisation advice repeat
0122 Authorisation advice completion
confirmation
0123 Authorisation advice completion

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confirmation rpt
0130 Authorisation advice response
0132 Authorisation advice completion
response
0200 Financial Transaction request
0201 Financial Transaction request repeat
0202 Financial transaction completion
confirmation
0203 Financial transaction completion
confirmation rpt
0210 Financial transaction request response
0212 Financial transaction completion
response
0220 Financial transaction advice
0221 Financial transaction advice repeat
0222 Financial transaction advice completion
confirmati
0223 Financial txn advice completion
confirmation rpt
0230 Financial txn advice response
0232 Financial txn advice completion response
0300 Acquirer file update request
0302 Card issuer file update request
0310 Acquirer file update request response
0312 Card issuer file update request response
0320 Acquirer file update advice
0322 Card issuer file update advice
0330 Acquirer file update advice response
0332 Card issuer file update advice response
0400 Acquirer reversal request
0401 Acquirer reversal request response
0402 Card issuer reversal request
0403 Card issuer reversal request repeat
0410 Acquirer reversal request response
0412 Card issuer reversal request response
0420 Acquirer reversal advice
0421 Acquirer reversal advice repeat
0422 Card issuer reversal advice
0423 Card issuer reversal advice repeat
0430 Acquirer reversal advice response

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0432 Card issuer reversal advice response

0500 Acquirer reconciliation request
0501 Acquirer reconciliation request repeat
0502 Card issuer reconciliation request
0503 Card issuer reconciliation request repeat
0510 Acquirer reconcilaition request response
0512 Card issuer reconciliation request
response
0520 Acquirer reconciliation advice
0521 Acquirer reconciliation advice repeat
0522 Card issuer reconciliation advice
0523 Card issuer reconciliation advice repeat
0530 Acquirer reconciliation advice response
0532 Card issuer reconciliation advice
response
0600 Administrative request
0601 Administrative request repeat
0610 Administrative request response
0620 Administrative advice
0621 Administrative advice repeat
0630 Administrative advice response
0800 Network management request
0801 Network management request repeat
0810 Network management request response
0820 Network management advice
0821 Network management advice repeat
0830 Network management advice response

Bit position values

ISO Field Name Data- Length Format Full description ISO8583

BIT type (1987)
Num standard
1 Bit Map h 16 Secondary bit map TRUE
Extended indicating the presence
or absence of bits in
range 65-128 in the
message being

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transmitted.
2 Primary n 19 LLVAR Customer PAN, used to TRUE
account route messages.
number (PAN)
3 Precessing n 6 Define the transaction TRUE
code type 3x2 digit fields.
1&2=type of trans,
3&4=type of account,
5&6=to account (zeroes)
4 Amount, n 12 Transaction amount in TRUE
transaction (lowest unit local
currency) at the
acquirer.
5 Amount, n 12 TRUE
Settlement
6 Amount, n 12 Amount in (lowest unit TRUE
cardholder local currency) of
billing amount to be debited
from the account held by
the issuer.
7 Transmission n 10 mmddhhmmss Message transmission TRUE
date & time date and time in GMT.
Switch completes this
field.
8 Amount, n 8 TRUE
Cardholder
billing fee
9 Conversion n 8 TRUE
rate,
Settlement
10 Conversion n 8 Conversion rate applied TRUE
rate, to forex txn amount.
cardholder format ABBBBBBB
billing where A is the decimal
point position from the
right and B is the
conversion factor which
when multiplied by field
4 gives field 6.
11 Systems trace n 6 Sequence number TRUE
audit number assigned by message
originator. Stays
Unchanged through txn
life.
12 Time, Local n 6 hhmmss Time of the local TRUE
transaction transaction
13 Date, Local n 4 mmdd Date of the local TRUE
transaction transaction
14 Date, n 4 yymm Card expiration date TRUE

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Expiration
15 Date, n 4 mmdd Date of settlement TRUE
Settlement
16 Date, n 4 mmdd TRUE
conversion
17 Date, capture n 4 mmdd TRUE
18 Merchant type n 4 Category code of TRUE
merchant acquirer. Auth
transactions only.
19 Acquiring n 3 Country code of TRUE
institution acquiring institution
country code
20 PAN n 3 TRUE
Extended,
country code
21 Forwarding n 3 TRUE
institution.
country code
22 Point of n 3 PIN/PAN entry mode. TRUE
service entry Format PPN where
mode PP=Pos entry mode and
N=PIN entry mode.
23 Application n 3 Identifies and TRUE
PAN number differentiates cards with
the same PAN
24 Network n 3 TRUE
International
identifier
25 Point of n 2 Condition under which TRUE
service the transaction takes
condition code place at POS. Various
values.
26 Point of n 2 Maximum number of TRUE
service PIN digits supported.
capture code
27 Authorising n 1 TRUE
identification
response
length
28 Amount, n 8 TRUE
transaction fee
29 Amount. n 8 TRUE
settlement fee
30 Amount, n 8 TRUE
transaction
processing fee
31 Amount, n 8 TRUE

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settlement
processing fee
32 Acquiring n 11 LLVAR Code identifying the TRUE
institution acquirer
identification
code
33 Forwarding n 11 LLVAR TRUE
institution
identofication
code
34 Primary n 28 LLVAR TRUE
account
number,
extended
35 Track 2 data z 37 LLVAR Information encoded on TRUE
track 2 of the magstripe
card
36 Track 3 data n 104 LLLVAR TRUE
37 Retrieval an 12 Data for matching TRUE
reference original txn Julian
number date+term sequence
38 Authorisation an 6 Authorisation ID TRUE
identification assigned by authorising
response institution
39 Response an 2 Disposition of message: TRUE
code Approved, incorrect PIN
etc etc)
40 Service an 3 TRUE
restriction
code
41 Card acceptor ans 8 Unique code identifying TRUE
terminal the terminal at the card
identification acceptor location.
42 Card acceptor ans 15 Code identifying the TRUE
identification card acceptor.
code
43 Card acceptor ans 40 Full terminal address (1- TRUE
name/location 23 address 24-36 City
37-38 State 39-40
Country)
44 Additional an 25 LLVAR Used for POS referrals, TRUE
response data format errors, or VISA
acquired auth
responses.
45 Track 1 Data an 76 LLVAR TRUE
46 Additional data an 999 LLLVAR TRUE
- ISO

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47 Additional data an 999 LLLVAR TRUE

- National
48 Additional data an 999 LLLVAR TRUE
- Private
49 Currency a 3 Code (ISO?) of the local TRUE
code, currency of the acquirer.
transaction
50 Currency an 3 TRUE
code,
settlement
51 Currency a 3 Code (ISO?) of the TRUE
code, currency used for
cardholder cardholder billing.
billing
52 Personal h 16 Encrypted PIN block TRUE
Identification
number data
53 Security n 18 TRUE
related control
information
54 Additional an 120 Mandatory for txn TRUE
amounts response. Contains
codes for account,
amount and currency
types and amounts.
55 Reserved ISO ans 999 LLLVAR TRUE
56 Reserved ISO ans 999 LLLVAR TRUE
57 Reserved ans 999 LLLVAR TRUE
National
58 Reserved ans 999 LLLVAR TRUE
National
59 Reserved for ans 999 LLLVAR TRUE
national use
60 Advice/reason an 7 LVAR ICC reason for reveral TRUE
code (private or advice.
reserved)
61 Reserved ans 999 LLLVAR TRUE
Private
62 Reserved ans 999 LLLVAR TRUE
Private
63 Reserved ans 999 LLLVAR TRUE
Private
64 Message h 16 MAC check code TRUE
authentication
code (MAC)
65 Bit map, h 16 Tertiary bit map TRUE
tertiary indicating the presence

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or absence of bits in
positions 129-192 in the
message being
transmitted.
66 Settlement n 1 TRUE
code
67 Extended n 2 TRUE
payment code
68 Receiving n 3 TRUE
institution
country code
69 Settlement n 3 TRUE
institution
county code
70 Network n 3 Network processing info. TRUE
management Various 3digit codes for
Information sign on and off,
code keychange, cutover,
handshake etc
71 Message n 4 TRUE
number
72 Message n 4 TRUE
number, last
73 Date, Action n 6 yymmdd TRUE
74 Credits, n 10 TRUE
number
75 Credits, n 10 TRUE
reversal
number
76 Debits, n 10 TRUE
number
77 Debits, n 10 TRUE
reversal
number
78 Transfer n 10 TRUE
number
79 Transfer, n 10 TRUE
reversal
number
80 Inquiries n 10 TRUE
number
81 Authorisations, n 10 TRUE
number
82 Credits, n 12 TRUE
processsing
fee amount
83 Credits, n 12 TRUE

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transaction fee
amount
84 Debits, n 12 TRUE
processing fee
amount
85 Debits, n 12 TRUE
transaction fee
amount
86 Credits, n 15 TRUE
amount
87 Credits, n 15 TRUE
reversal
amount
88 Debits, n 15 TRUE
amount
89 Debits, n 15 TRUE
reversal
amount
90 Original data n 42 Data elements in a TRUE
elements reversal identifying the
original txn. These
elements are formatted
specifically.
91 File update an 1 Code indicating type of TRUE
code file update operation
(1=add 2=change
3=delete 4=enquiry)
92 File security n 2 TRUE
code
93 Response n 5 TRUE
indicator
94 Service an 7 TRUE
indicator
95 Replacement an 42 Actual amounts TRUE
amounts dispensed and settled
for partial reversals. If
not partial both amounts
are zero.
96 Message an 8 Password to net TRUE
security code management and file
Update. Not currently
validated by LINK
97 Amount, net n 16 TRUE
settlement
98 Payee ans 25 TRUE
99 Settlement n 11 LLVAR TRUE
institution

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identification
code
100 Receiving n 11 LLVAR TRUE
institution
identification
code
101 File name ans 17 Name of file being TRUE
accessed for a file
update.
102 Account ans 28 LLVAR Identifies the 'from' TRUE
identification 1 account in a transfer
103 Account ans 28 LLVAR TRUE
identification 2
104 Transaction ans 100 LLVAR TRUE
description
105 Reserved for ans 999 LLLVAR TRUE
ISO use
106 Reserved for ans 999 LLLVAR TRUE
ISO use
107 Reserved for ans 999 LLLVAR TRUE
ISO use
108 Reserved for ans 999 LLLVAR TRUE
ISO use
109 Reserved for ans 999 LLLVAR TRUE
ISO use
110 Reserved for ans 999 LLLVAR TRUE
ISO use
111 Reserved for ans 999 LLLVAR TRUE
ISO use
112 Reserved for ans 999 LLLVAR TRUE
national use
113 Authorising n 11 LLVAR Institution approving or TRUE
agent denying the transaction.
institution id
code
114 Reserved for ans 999 LLLVAR TRUE
national use
115 Reserved for ans 999 LLLVAR TRUE
national use
116 Reserved for ans 999 LLLVAR TRUE
national use
117 Reserved for ans 999 LLLVAR TRUE
national use
118 Reserved for ans 999 LLLVAR TRUE
national use
119 Reserved for ans 999 LLLVAR TRUE

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national use
120 Reserved for ans 999 LLLVAR TRUE
private use
121 Reserved for ans 999 LLLVAR TRUE
private use
122 Reserved for ans 999 LLLVAR TRUE
private use
123 Reserved for ans 999 LLLVAR TRUE
private use
124 Info Text ans 255 LLLVAR For file updates, TRUE
cardholder file maint
data, for admin advices
the first 255 bytes in
error.
125 Network ans 50 LLLVAR Additional net TRUE
management management info: 1-16
information working key, 17-20
check value, 21-50
spaces
126 Issuer trace id ans 6 LLLVAR Used by issuer to label TRUE
the txn with his own
transaction id. Unique
within business day.
Unchanged through
transaction life.
127 Reserved for ans 999 LLLVAR TRUE
private use
128 Message h 16 MAC check code TRUE
Authentication
code

Base-24 operational variances:

ACI’s Base-24 external messaging implements the following differences to

the ‘vanilla’ ISO8583 format described above. Refer to the ACI manual BA-
DH011-02 for details.

Prior to the ISO8583 message itself, Base-24 implements four additional

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fields:

z Data Prefix (optional, 0-9 bytes)

z IMS/CICS transaction code (optional, 0-9 bytes)

z Start of Base-24 header (mandatory literal ‘ISO’, 3 bytes)

z Base-24 header (Mandatory, 9 bytes)

Data IMS/CICS ISO Base-24 Msg Primary Data

Prefix Tran code Header Header Type Bit map elements

123456789 123456789 ISO 123456789 1234 bbbbbb -

variable-

Note that all Base-24 fields are transmitted in display format (i.e. all Binary
fields are converted to display for messaging) to avoid complications is
ASCII-EBCDIC conversion and communications transparency. This results
in binary fields (such as the primary bit map of 64 bits) being 16 bytes in
length rather than the 8 bytes defined in the ISO8583 standard.

Copyright © 1997 Andrew Marshall, All rights reserved.

All referenced sources acknowledged.

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