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This tutorial will present message flows, data elements values and meanings. To get more
information on ISO8583 message format follow Introduction to ISO8583 financial transaction
message format tutorial.
Introduction
If we imagine a generic message flow between 2 institutions regardless the scope, this can be
captured in the following diagram.
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X100/X101 – Authorization message How to create a Java project
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R$774.13 R$889.81
X400/X401 – Reversal message
A reversal message is the partial or complete cancellation of the effects of a previous
authorization (x100), financial
Conjunto Closet
transaction (x200), or financial transaction advice (x220) that cannot be processed as Modulado Sem
instructed. Portas...
R$1,872.05 R$2,151.78
A reconciliation message is the exchange of totals between two institutions. e.g. sent at the
end of the day.
Quarto Modulado
Closet Completo...
X600/X601 – Administrative message
R$1,094.66 R$1,258.23
Can any message related to the technical infrastructure between financial institutions.
Examples
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Lets take 2 real examples of iso8583 flows usage.
x100 message to the bank to authorise the transaction and verify the amount
availability;
x200 message to the mobile phone company to increase the phone account balance.
x220 to the bank to complete the transaction, or x420 to the bank to cancel the
authorisation if the x200 failed.
ATM
Let’s imagine an ATM day:
Data elements
Depends on the message scope, some of the data elements are used more than the others.
Here is a list with some of the most used data elements and the possible values.
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01 Cash (ATM)
02 Debit Adjustment
20 Refund
31 Balance inquiry
53 Payment to account
00 Default – unspecified
10 Savings account
20 Cheque account
30 Credit facility
40 Universal account
50 Investment account
00 Unknown
01 Manual
02 Magnetic stripe
03 Bar code
04 OCR
0 Unknown
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Code Meaning
04 Pickup card
05 Do not honor
06 Error
10 Partial Approval
51 V.I.P. approval
12 Invalid transaction
15 No such issuer
17 Customer cancellation
19 Re-enter transaction
20 Invalid response
22 Suspected Malfunction
25 Unable to locate record in file, or account number is missing from the inquiry
30 Format Error
51 Insufficient funds
52 No checking account
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53 No savings account
54 Expired card
55 Incorrect PIN
59 Suspected fraud
63 Security violation
77 Previous message located for a repeat or reversal, but repeat or reversal data are
inconsistent with original message
78 ’Blocked, first used’—The transaction is from a new cardholder, and the card has
not been properly unblocked.
80 Visa transactions: credit issuer unavailable. Private label and check acceptance:
Invalid date
81 PIN cryptographic error found (error found by VIC security module during PIN
decryption)
91 Issuer unavailable or switch inoperative (STIP not applicable or available for this
transaction)
94 Duplicate Transmission
95 Reconcile error
N0 Force STIP
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P6 Unsafe PIN
XA Forward to issuer
XD Forward to issuer
Z3 Unable to go online
1-23: address;
24-36: city;
37-38: state;
39-40: country.
References
Introduction to ISO8583 financial transaction message format
Luhn algorithm
Luhn Digit Calculator
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