The document provides a detailed overview of the ISO 8583 messaging standard, outlining various message types, bitmaps, and data element definitions essential for financial transaction processing. It highlights the structure of different message types, such as authorization requests and financial advice, along with specific codes and interpretations for each element. Additionally, it includes flowcharts for transaction processes, indicating roles of acquirers and issuers in different transaction scenarios.

2. Md. Hasan Basri
Consultant Financial Application,
Senior Software Engineer,
Product Manager.

3. Where used - ISO 8583 Messages.

4. 1. Message type indicator (MTI).
2. Bitmap
3. Data elements, the fields of the message.

5. 0xxx -> version of ISO 8583 (1987 version)
x1xx -> class of the Message (Authorization Message)
xx1x -> function of the Message (Request Response)
xxx0 -> who began the communication (Acquirer)
0220 - Acquirer Financial Advice 0100 - Authorization request
0221 - Acquirer Financial Advice repeat 0220 - Acquirer Financial Advice

6. Position Meaning
0xxx ISO 8583-1:1987 version
1xxx ISO 8583-2:1993 version
2xxx ISO 8583-3:2003 version
3xxx, 4xxx, 5xxx, 6xxx, 7xxx Reserved for ISO use
8xxx Reserved for National use
9xxx Reserved for Private use

7. Position Meaning
x1xx Authorization Message
x2xx Financial Messages
x3xx File Actions Message
x4xx Reversal and Chargeback Messages
x5xx Reconciliation Message
x6xx Administrative Message
x7xx Fee Collection Messages
x8xx Network Management Message
x9xx Reserved by ISO

8. Position Meaning
xx0x Request
xx1x Request Response
xx2x Advice
xx3x Advice Response
xx4x Notification
xx5x NotificationAcknowledgement
xx6x Instruction (ISO 8583:2003 only)
xx7x Instruction Acknowledgement
xx8x Reserved for ISO use.
xx9x Reserved for ISO use.

9. Position Meaning
xxx0 Acquirer
xxx1 Acquirer Repeat
xxx2 Issuer
xxx3 Issuer Repeat
xxx4 Other
xxx5 Other Repeat

10. • 0800 – Network Management request
• 0100 – Authorization request
• 0120 – Authorization advice
• 0121 – Authorization advice, repeated
• 0200 – Financial request
• 0220 – Financial advice
• 0221 – Financial advice, repeated
• 0420 – Reversal request
• 0421 – Reversal request, repeated
• 0810 – Network Management response

11. One or more bitmaps, indicating which data elements are present
Bitmap Defines presence of
4210001102C04804 Fields 2, 7, 12, 28, 32, 39, 41, 42, 50, 53, 62
7234054128C28805
Fields 2, 3, 4, 7, 11, 12, 14, 22, 24, 26, 32, 35,
37, 41, 42, 47, 49, 53, 62, 64
8000000000000001 Fields 1, 64
0000000000000003
(secondary bitmap)
Fields 127, 128

12. Abbreviation Meaning
a Alpha, including blanks
n Numeric values only
s Special characters only
an Alphanumeric
as Alpha & special characters only
ns Numeric and special characters only
ans Alphabetic, numeric and special characters.
b Binary data
z Tracks 2 and 3 code set as defined in ISO/IEC 7813 and ISO/IEC 4909

13. Type Meaning
Fixed no field length used
LLVAR or
(..xx)
Where LL < 100, means two leading digits LL
specify the field length of fieldVAR
LLLVAR or
(...xxx)
Where LLL < 1000, means three leading digits
LLL specify the field length of fieldVAR

14. Data Field Type Usage
1 b 64
Bit map (b 128 if secondary is present and b
192 if tertiary is present)
2 n ..19 Primary account number (PAN)
3 n 6 Processing code
4 n 12 Amount, transaction
5 n 12 Amount, settlement
6 n 12 Amount, cardholder billing
7 n 10 Transmission date & time

15. Data Field Type Usage
8 n 8 Amount, cardholder billing fee
9 n 8 Conversion rate, settlement
10 n 8 Conversion rate, cardholder billing
11 n 6 System trace audit number
12 n 6 Time, local transaction (hhmmss)
13 n 4 Date, local transaction (MMDD)
14 n 4 Date, expiration
15 n 4 Date, settlement
16 n 4 Date, conversion

16. Data Field Type Usage
17 n 4 Date, capture
18 n 4 Merchant type
19 n 3 Acquiring institution country code
20 n 3 PAN extended, country code
21 n 3 Forwarding institution. country code
22 n 3 Point of service entry mode
23 n 3 Application PAN sequence number
24 n 3
Function code (ISO 8583:1993)/Network
International identifier (NII)

17. Data Field Type Usage
25 n 2 Point of service condition code
26 n 2 Point of service capture code
27 n 1 Authorizing identification response length
28 x+n 8 Amount, transaction fee
29 x+n 8 Amount, settlement fee
30 x+n 8 Amount, transaction processing fee
31 x+n 8 Amount, settlement processing fee
32 n ..11 Acquiring institution identification code
33 n ..11 Forwarding institution identification code

18. NormalCompletion (Logon, Logoff, And Echo) flowchart
Master Slave
0800
0810
DE-70= 001, 002 or 301
DE-39= 00
Time

19. FinancialTransaction NormalCompletion flowchart
Acquirer Issuer
0200
0210 Time

20. FinancialTransaction Reversal Processing flowchart
Acquirer Issuer
0200
0210
Time
0420
0430

21. FinancialTransaction Reversal Processing flowchart
Acquirer Issuer
0200
0210
Time
0420
0430
x 0421
0430

22. FinancialTransaction AdviceTimeout Processing flowchart
Acquirer Issuer
0200
0230
Time
x
0221
0230
0201
0230
x

23. All message format definition tables use the symbols defined in the
following table:
Symbol Meaning
M Mandatory.
M+ Mandatory, echoed from request.
C Conditional.
C+ Conditional, echoed from request.
C* Conditional, value may change.
O Optional.
O+ Optional, echoed from request.
R Reserved for future use.
- Not used.
n/a Not applicable.

24. MTID Data Element 0800 0810
1 Secondary bitmap M M
7 Transmission date/time M M
11 STAN M M
15 Date, settlement C C+
32 Acquirer institution ID O O+
39 Response code - M
48 Key Data (Optional – Dynamic Key Exchange) M -
64 MAC Code (Optional – MACing) R R
70 NMIC M M
128 MAC Code 2 (Optional – MACing) R R

25. MTID Data Element 0100 0110 0120 0130
1 Secondary Bitmap C C - C
2 Primary Account Number C C+ C C+
3 Processing Code M M+ M M+
4 Amount, transaction M M+ M M+
5 Amount, settlement C M+ C M+
7 Date/time, transmission M M M M
8 Fee, cardholder billing R R R R
9 Conversion rate, Settlement C C+ C C+
11 STAN M M+ M M+
12 Time, local transaction M - M -

26. Type N4
Description
Note: Most frequently used values are:
6011 ATM Cash withdrawal.
6010 Over the counter cash advance.
4814 Airtime purchase.
MCC is four-digit code in accordance with the
Visa/MasterCard MCC definitions.The data element is
mandatory for 01xx and 02xx request messages.
It is never present in response messages.

27. Type an2
Description
This code indicates the disposition of a message as
detailed tables below. Each code is associated with specific
action code that is to be taken:
A Approve transaction.
D Decline transaction.
C Decline transaction and capture card.
Data element is mandatory in all response messages as
well as in reversal and store/forward request messages.

28. Type an12
Description
The reference, assigned by the acquirer, to identify a
transaction uniquely. It remains unchanged for all
messages throughout the life of a transaction and is used
for matching original message with reversal and/or
store/forward messages.The data element is mandatory
for 01xx, 02xx, and 04xx request messages.
Field Edits
It must be echoed in response message and all
subsequent messages.

29. ???