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I was wondering if anyone could help me understand difference between ISO 8583 Field 22 i.e. POS Entry Mode. I already know that:
52 means ICC Card80 in case of fallbackBut what I want to know is difference between
22 (Magnetic Stripe)90
Can anyone help me on this?
996
POS Entry mode says whether the particular transaction is E commerce or POS. The possible values are : 01 Manual entry. 02 Magnetic Stripe,track 2 data will ignore. 05 Smart card,track 2 data required.
When initiating a transaction using a stored credential, the merchant or its agent, a PF or an SDWO must submit the payment transaction with a value “10” in the POS Entry Mode Code field. Value “10” indicates the credential presented is a stored credential.
What is a POS Transaction? POS stands for Point of Sales. POS transactions usually occur whenever a buyer pays a certain amount offline or online to purchase goods from a seller. The purpose of POS is to monitor and record all transactions between a buyer and a seller.
POS-terminal (POS - Point Of Service) is a device providing the capability to service the cards and other means of payment. The issuer is a financial institution (bank or another financial organization) that has issued a card.
The length of Field 22 usually 3-digits (or 4-digits in case it is BCD packed into two Bytes) in protocols based on ISO 8583:1987 or 12-digits in case protocols based on ISO 8583:1993 version. Customized protocols could use different sub-fields content and values meaning behind.
While you use short values in the requested question, I guess, your Field 22 based on ISO 8583:1987 version and you lost the leading and/or ending zero. So, your sample values becomes 3 digits length - 052, 800, 022, and 090 or 900.
Usually the 3-digits Field 22 splited into two sub-fields:
Here are the possible interpretations:
02 - PAN auto-entry via magnetic stripe, track data is not required, 2 - no PIN.05 - PAN auto-entry via chip, 2 - no PIN.09 - E-Commerce, 0 - unknown PIN capability.80 - Fallback to magnetic stripe, 0 - unknown PIN capability.90 - PAN auto-entry via magnetic stripe, track data should be transmitted within the authorization request, 0 - unknown PIN capability.etc.
90 used in case track data present in the ISO 8583 request message, 02 - if, for same reason, acquirer or terminal device not qualified to transfer track data in the request messages.
Depending of protocol requirements could be exceptions with Field 22 values. It is usually checked during the terminal device and communication interface certifications.
94
I will elaborate few things here. From above comments I can see that 09 is for E commerce transactions,but as per my knowledge for E commerce transactions we should use PAN Entry mode as 01(manual entry). Because for card not present transactions entry mode has always in manually.
POS Entry mode says whether the particular transaction is E commerce or POS. The possible values are :
01 Manual entry
02 Magnetic Stripe,track 2 data will ignore
05 Smart card,track 2 data required
90 Magnetic stripe no track 2 data
91 contactless card
95 Smart card , track2 data not required
Thanks share your ideas on this
32
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