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Global Multi- Input File (GMCIF)

Version 2.68

Global Multi-Currency Settlement File (GMCIF)

Introduction ...... 4 Purpose of Document ...... 4 Supporting Documentation...... 4 Support Services ...... 4 File Processing ...... 5 File Delivery ...... 5 Processing Cycle ...... 5 Multiple Files ...... 5 Validation ...... 5 Development Guidelines ...... 6 Character Set ...... 6 File Structure ...... 6 File Record Length...... 6 Amount and Value Fields ...... 7 File Format and Status Descriptions ...... 7 Key for Record Tables ...... 7 Special Field Requirements ...... 8 SE Number – Contained in Settlement Batch Record (SBR) ...... 8 SOC Number – Contained in Transaction Currency Header Record (THR) ...... 8 Approval code – Contained in Transaction Detail Record (TDR) ...... 8 MOTO/ECI and CVV2 and Cash Back Fields ...... 8 US and Canadian Transactions ...... 8 Payment Facilitator ...... 8 File Header Record (FHR)...... 9 Settlement Batch Record (SBR) ...... 10 TXN Header Record (THR)...... 11 TXN Detail Record (TDR) ...... 12 Transaction AUX Record (TAR) ...... 20 Airline AUX Record (AAR) ...... 29 Passenger Transport AUX Record (PTA) ...... 32 Diners AUX Record (CRR) ...... 34 Hotel Addendum AUX Record (HAR) ...... 34 Extended Data AUX Record (EXD) Private Use ...... 35 Purchase Card AUX Record (PAR) Private Use ...... 35 Purchase Card Info AUX Record (PIR) Private Use ...... 36 Alternative Payment AUX Record (APM) ...... 37 TXN Trailer Record (TTR) ...... 38 File Trailer Record (FTR) ...... 39 Diagram of GMCIF File Construction ...... 40

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Ancillary Fee Codes ...... 41 Multi-Currency Conversion ...... 42 Revision History ...... 45

Copyright © 2018 Elavon Merchant Services. All rights reserved. The information contained in this document is subject to change without notice. This document contains information protected by copyright. No part of this document may be photocopied or reproduced in any form without prior written consent from Elavon Merchant Services. Elavon Financial Services DAC Registered in Ireland with Companies Registration Office (Reg. No. 418442). Registered Office: Building 8 Cherrywood Business Park, Loughlinstown, Dublin, D18 W319, Ireland. Registered in England and Wales under the number BR009373. The liability of the member is limited. Elavon Financial Services DAC, trading as Elavon Merchant Services, is regulated by the of Ireland. United Kingdom branch is authorised by Central Bank of Ireland and the Prudential Regulation Authority and subject to limited regulation by the Financial Conduct Authority and Prudential Regulation Authority. Details about the extent of our authorisation and regulation by the Prudential Regulation Authority, and regulation by the Financial Conduct Authority are available from us on request.

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Introduction Purpose of Document The purpose of this document is to provide detailed information to enable Merchants, 3rd party processors and Suppliers of EFTPOS systems with the necessary information to produce GMCIF files of multi-currency transactions for acquisition by Elavon Merchant Services. Supporting Documentation Global Multi Currency Authorisation Specification (KAAI): This document provides information on the authorisation formats supported by Elavon and details format layouts and field descriptions for multi- currency authorisation requests and responses. Global Multi-Currency Draft Capture Specification (GICC): This document provides information on the field layout and field descriptions for the ELAVON draft capture product. This allows the authorisation and settlement of a transaction simultaneously by the ELAVON system. Support Services Elavon provides full technical and implementation consultancy to merchants and their software providers, who wish to use the acquisition and processing services of the Europe Card Acceptance Global Multi-Currency service. If you have any questions or queries concerning this document and its contents you should contact your Elavon Implementation Manager.

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File Processing File Delivery The Elavon card acceptance processing systems are available to accept merchant file submissions 7 days a week, 24 hours per day. Processing Cycle The Elavon processing cycle commences at 22:15 GMT and runs every day. All files received by 22:15 GMT will be included in that days processing cycle. All files received after 22:15 GMT will be included in the next day’s processing cycle. Multiple Files The Elavon processing systems support the ability for multiple files to be delivered per processing day and depending on the time of delivery will include these files in the current processing cycle. Validation When a file is received by the Elavon processing system an initial file validation is carried out. This process will include duplicate file checking on approximately the first and last 40 bytes of the file. As well as duplicate file validation there is also validation carried out on a number of fields within the file.

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Development Guidelines Character Set The GMCIF file should be constructed and delivered to the Elavon processing systems using the ASCII character set (and only CAPITAL LETTERS have to be used in alphanumeric fields). File Structure The GMCIF has been designed to be as flexible as possible; therefore there are many different ways of constructing the file for processing. The following table shows a typical GMCIF record structure sequence.

Record Name Abbreviation Comments File Header Record FHR One per file. Settlement Batch Record SBR Transaction Currency THR Header Record Transaction Detail Record TDR One per transaction. One per TDR – T&E, Cashback Service and DCC Auxiliary Record TAR Service. Airline Auxiliary Record AAR One per TDR where required. One per TDR where required – Diners text fields Auxiliary Record CRR and/or Diners Airline Invoice Number. Auxiliary Record HAR One per TDR where required – additional hotel data. Auxiliary Record EXD Max. 9999 per TDR where required. Auxiliary Record PAR One per TDR where required. Auxiliary Record PIR One, max ten per PAR where PAR is present. Auxiliary Record APM One per TDR where required. Transaction Currency TTR One per Transaction Currency Header Record (THR). Trailer Record File Trailer Record FTR One per file.

At the end of the document there is a diagram of a typical file structure File Record Length The GMCIF file supports a fixed record length of 450 bytes per record, terminated by the standard ASCII end of line and carriage return characters (hexadecimal characters codes 0D 0A). Optional or Conditional Fields must be padded with spaces (if alphanumeric) or zeros (if numeric) where not populated (unless otherwise stated). Since the file format is expected in ASCII characters, every line/record of the file has to be delimited from the other by the ASCII characters “Carriage return” (CR) and “Line feed” (LF). Hexadecimal representation is 0D0A.

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Amount and Value Fields It should be noted that the GMCIF format when processed by Elavon will set all amount and value fields contained in the file to 2 decimal places (unless otherwise stated), therefore any that support more than 2 decimal places should be rounded. NOTE: All the amount values should be presented as absolute values, without “+” or “-“signs. Examples: USD $1,170.45 should be represented as 117045 GBP 27 should be represented as 2700 JPY 1000 should be represented as 100000 File Format and Status Descriptions Contained within each record there is a format and status indicator for each field, this indicates the validation criteria for the file as well as the format of each field, it is important that the status for each field is used as validation is carried out on these fields and will therefore reduce the chance of file rejections. The following key displays the format of the status and format fields.

Format Description Comments N Numeric Field Right Justified, Leading Zeros. A Alphanumeric Field Left Justified, Trailing Spaces. M Mandatory Field Must be populated, validated by Elavon. O Optional Field Optional field, not validated by Elavon. C Conditional Field Must be populated by some merchants/processors. Cx Conditional Field Must be populated in conjunction with other conditional fields.

Key for Record Tables

Column Heading Description L Length F Format (Numeric / Alphanumeric) S Status (Mandatory / Optional / Conditional)

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Special Field Requirements The GMCIF file has fields which contain information critical to the successful processing of the file. Detailed below is a list of these fields with a full explanation of their purpose and data requirements. SE Number – Contained in Settlement Batch Record (SBR) Service Establishment Number (Merchant ID Number). Assigned to a merchant by Elavon. Identifies the merchant’s profile and settlement currency requirement. Please note that for each settlement currency required there will be a unique SE Number assigned.

SOC Number – Contained in Transaction Currency Header Record (THR) This is the Summary of Charge number which is created by the processor/merchant and creates an association to the currency of the transactions contained within each Transaction Currency Header Record batch in the file. This is used for management information and financial reporting. The SOC number must be unique for each merchant ID, and can only be used once within a 12 month period. This number provides the information required by the Elavon processing system to produce reporting and reconciliation data. The suggested formula for the creation of the 8-digit SOC number is as follows: - 3 digit Julian date of file creation + the last digit of the current year - 4 digit sequential number, Incremented by 1 per THR record, Example for January 15, 2009 = 01590001 Example for October 17, 2011 = 29010001 Approval code – Contained in Transaction Detail Record (TDR) If the transaction was online approved, the authorisation code must be stored here. If the transaction is manually entered, without an authorisation requested, it must be space-filled. It is prohibited to store an approval code generated by the merchant. Only the authorization code received from the acquiring institution is allowed to be placed in this field. MOTO/ECI and CVV2 and Cash Back Fields These fields are available after special agreements. US and Canadian Transactions Each State or Province requires its own batch. The State or Province Code must be consistent for all records in a batch. For example:

Record Contents Record Cont. Contents Cont. SBR SBR THR THR TDR with State = NY TDR with Province = QU TAR TAR AAR AAR TDR with State = NY TDR with Province = QU TAR TAR AAR AAR … … TTR TTR

Payment Facilitator A settlement batch must not combine Payment Facilitator and non-Payment Facilitator transactions. If the Host identifies an issue within a record in a Payment Facilitator batch the entire batch will be rejected.

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File Header Record (FHR)

Field Name L Position F S Remarks Record type 3 1-3 A M Always FHR Data record 9 4-12 N M Start at 1 and increment by 1 per record sequence number File creation date 8 13-20 N M YYYYMMDD File transmission 8 21-28 N M YYYYMMDD date Allocated by Elavon File Receiver 8 29-36 A M Always ‘ELAVON’ with two trailing spaces

Processor Identifier allocated by Elavon. Value Description Processor ID 9 37-45 A M GMCA Test Environment GMCP Production Environment DCIP/DCSP Direct settlement with Diners.

Name of the merchant’s processor i.e. file Processor Name 20 46-65 A M submitter. Building number 20 66-85 A O Building number of processing centre Street name 20 86-105 A O Street name of processing centre

City 20 106-125 A O City or Town name of processing centre

Country 20 126-145 A O Country of processing centre, Country Name ZIP Code 9 146-154 A O ZIP or Postal code of processing centre Phone number 20 155-174 A O Contact telephone number of processing centre FAX number 20 175-194 A O Facsimile telephone number of processing centre SITA Telex number 10 195-204 A O SITA Telex number (AIRLINE USE ONLY) For batch authorisation use. Multiple addresses E-Mail Address 160 205-364 A C should be separated using ‘,’. Unique file number for each submission file in the File number 4 365-368 N O range 0001 to 9999 Filler 82 369-450 A M Space padded

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Settlement Batch Record (SBR)

Field Name L Position F S Remarks

Record type 3 1-3 A M Always SBR Data record 9 4-12 N M Increment by 1 per data record sequence number Service Establishment Number / Merchant ID SE Number 17 13-29 N M Number (allocated by ELAVON) Merchant settlement currency code (ISO 4217) Settlement 3 30-32 N M In a Multi-Currency Conversion (MCC) batch this currency value represents the chosen settlement currency. Merchant name 20 33-52 A O Merchant name Building number 20 53-72 A O Building number of processing centre Street name 20 73-92 A O Street name of processing centre City 20 93-112 A O City or Town name of processing centre Country 20 113-132 A O Country of processing centre, Country Name Zip code 9 133-141 A O ZIP or Postal code of processing centre Phone number 20 142-161 A O Contact telephone number of processing centre Fax number 20 162-181 A O Facsimile telephone number of processing centre SITA Telex number 10 182-191 A O SITA Telex number (AIRLINE USE ONLY)

Only valid if a partner is processing in and Merchant Group 2 192-193 N O other countries. Value will be allocated and provided Identifier by Elavon. Space-fill if not used.

Payment Facilitator Processing Indicator Value Description Transaction processed as Payment Payment Facilitator Y Facilitator. Dynamic Merchant 1 194 A C Indicator Space-Fill Not Applicable If Y, Payment Facilitator Data must be submitted in Transaction AUX Record (TAR). PF values will echo authorisation values.

Flag to indicate that the digital wallet is enabled on merchant side. Must be sent regardless of whether MasterPass - the transaction had been processed using digital Digital Wallet wallet. 1 195 A C Merchant Enabled Flag Value Description Y MasterPass Enabled Space-Fill Not Applicable

Filler 255 196-450 A M Space padded

Note: We can only accept a maximum 999 Settlement Batch Records per file.

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TXN Header Record (THR)

Field Name L Position F S Remarks Record type 3 1-3 A M Always THR Data record 9 4-12 N M Increment by 1 per data record sequence number The Summary of Charge number is a batch identifier SOC Number 8 13-20 N M created by the merchant/processor. Currency of TDR Transaction Currency code for TDR records 3 21-23 N M records contained in the batch (ISO 4217) SOC Merchant Merchant Summary Of Charge Reference. This value 30 24-53 A O Reference is passed to the Merchant Processing System. Filler 397 54-450 A M Space padded

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TXN Detail Record (TDR)

Field Name L Position F S Remarks Record Type 3 1-3 A M Always TDR Data Record Sequence 9 4-12 N M Increment by 1 per data record Number Transaction Type Value ZAPP BIN 888 + Consumer ZAPP Card Number 19 13-31 A M ID Elavon All Other Card account number (PAN) Transactions (*4)

MMYY Expiry Date 4 32-35 N M (Field 4 of Track 2 or Tag 5F24 without DD) (*5) ZAPP: populate as 0000

Two implied decimal positions. Right justified and zero- padded. Transaction 13 36-48 N M Amount 27.00 EUR is represented as 0000000002700 100 JPY is represented as 0000000010000 100.000 KWD is represented as 0000000010000 Value Description 00 Purchase 01 Refund Recurring Transaction – valid for Visa and 04 MasterCard Transaction 2 49-50 N M Instalment Transaction – valid for Visa and Type 05 MasterCard Unscheduled Credential on File Transaction 06 – valid for Visa only Storing Credential on File – valid for Visa 07 and MasterCard

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Field Name L Position F S Remarks Value Description 00 Swiped / Verified by signature 01 Keyed / Verified by signature Keyed / Card Not Present MOTO/EC 02 Indicator Mandatory PAN Auto Entry via Server in contactless 03 debt repayment transactions 04 Swiped Unattended / No verification 05 Swiped / PIN verified 06 Chip / PIN verified 07 Chip / Verified by signature 08 Swiped / PIN verified, Chip fallback 09 Swiped / Verified by signature, Chip fallback 10 Credential on File 11-14 Reserved For Future Use 15 Swiped / PIN verified, unattended Transaction 2 51-52 N M 16 Chip / PIN verified, unattended Source 17 Chip / No verification, unattended 18 Swiped / PIN verified, unattended fallback 19 Swiped / No verification, unattended fallback 20 CTLS Mag Stripe / No verification CTLS Mag Stripe Unattended / No 21 verification 22 CTLS Mag Swipe / PIN verified 23 CTLS Mag Swipe Unattended / PIN verified 24 CTLS Chip / No verification 25 CTLS Chip Unattended / No verification 26 CTLS Chip / PIN verified 27 CTLS Chip Unattended / PIN verified Alternative Payment Method (APM) e.g. 28 Zapp In-App Ecommerce - MOTO/ECI Indicator 30 and AAV Collection Indicator for M/C are mandatory

Authorisation If no authorisation code is obtained then field must be 10 53-62 A M Code padded with spaces Value Description 00 Offline by terminal (no online auth) 01 Online to acquirer Authorisation 02 Voice (referral) 2 63-64 N M Source 03 Auth by Alternative Payment Method 10 EMV offline by terminal, chip approved 11 EMV online to acquirer 12 EMV voice (referral)

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Field Name L Position F S Remarks Transaction Transaction currency code (NUMERIC ISO 4217) 3 65-67 N M Currency (in accordance with the THR Currency settings) Merchant Country code where the Merchant is located (NUMERIC 3 68-70 N M Country Code ISO 3166) Transaction YYYYMMDD 8 71-78 N M Date Note: must be the same as the authorisation date. Transaction 6 79-84 N M HHMMSS or file creation time Time

Merchant transaction reference field (feeds to ROC text) / ROC-Text-1 (Diners Customer Reference 1) Transaction 30 85-114 A O Reference ZAPP Transactions: Settlement Retrieval ID (sale transactions) RefundTRID (refund transactions) Mandatory where Merchant Country code is US/CA. State/Province If Country-Code = 840 or 124 then ‘TAR’ is mandatory. 2 115-116 A C Code (Merchant) Important: The State or Province code should be consistent for all transactions in the batch. Cryptogram returned from the ICC in response of the Application 16 117-132 A C GENERATE AC command Cryptogram (EMV TAG 9F26) Indicates the type of cryptogram and the actions to be Cryptogram 2 133-134 A C performed by the authorization system Information Data (EMV TAG 9F27) Issuer Contains proprietary application data for transmission to Application Data 64 135-198 A C the issuer in all transaction messages. (IAD) (EMV TAG 9F10) Value provided by the terminal to provide variability and Unpredictable 8 199-206 A C uniqueness to the generation of the application Number (EMV TAG 9F37) Counter maintained by the application in the ICC, Application indicates the number of transactions processed by the Transaction 4 207-210 A C card application counter (ATC) (EMV TAG 9F36) Terminal Result of the different verification operations performed Verification 10 211-220 A C by the authorization system Results (EMV TAG 95) Transaction The local date that the transaction was authorized 6 221-226 A C Date (EMV TAG 9A) Indicates the type of financial transaction, representing Transaction 2 227-228 A C the first two digits of ISO 8583:1987 Processing code Type (EMV TAG 9C) Authorization amount of the transaction as provided by Transaction 12 229-240 A C the terminal to the card Amount (EMV TAG 9F02) Indicates the currency code of the transaction according Transaction 4 241-244 A C to ISO 4217 Currency Code (EMV TAG 5F2A)

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Field Name L Position F S Remarks Application Indicates microcircuit application-specific functions Interchange 4 245-248 A C (information supplied by the card) Profile (EMV TAG 82) Indicates the country of the terminal, represented Terminal 4 249-252 A C according to ISO 3166 Country Code (EMV TAG 9F1A) Secondary Amount of the transaction (e.g. Cash Amount, Other 12 253-264 A C Amount) as provided by the terminal to the card (EMV TAG 9F03) Indicates the card data input, CVM, and security Terminal capabilities of the terminal. Alphabetic characters must 6 265-270 A C Capabilities be presented in upper case (EMV TAG 9F33) Result of Cardholder Verification Procedure CVM results 6 271-276 A C (EMV TAG 9F34) Indicates the environment of the terminal, its Terminal Type 2 277-278 A C communications capability, and its operational control (EMV TAG 9F35) Unique and permanent serial number assigned to the Interface Device 16 279-294 A C IFD by the manufacturer (IFD) Serial No (EMV TAG 9F1E) Transaction Describes environment of the TX. Derived from MCC 2 295-269 A C category Code (EMV TAG 9F53) Identifies the name of the DF as described in ISO/IEC Dedicated File 32 297-328 A C 7816-4. Mandatory for Diners transactions. (DF) Name (EMV TAG 84) Terminal EMV Version of the Terminal SW application 4 329-332 A C (EMV TAG 9F09) version no. Transaction Counter maintained by the terminal that is incremented Sequence 8 333-340 A C by one for each transaction Counter (EMV TAG 9F41) A number distinguishing between separate cards with Card Sequence 3 341-343 A C the same PAN Otherwise space-fill Number (EMV TAG 5F34) Issuer Script 24 344-367 A C Results of the Issuer Script Execution Results part I Issuer Script Results of the Issuer Script Execution 18 368-385 A C Results part II

Mandatory for Discover Processing in the US/CAN and Union Pay in all countries. This value is assigned by the Merchant to assist in System Trace identifying a specific card transaction. The STAN 6 386-391 A C Audit Number remains unchanged for the life of the card transaction. The STAN in the settlement record should match what was submitted in the Authorization Request. If not present = Space-fill

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Field Name L Position F S Remarks Retrieval Reference 12 392-403 A O If not present = Space-fill Number

VISA payWave / Diners Contactless: the Form Factor Indicator is transmitted from the card to the terminal in the response of GET PROCESSING OPTIONS command in order to be forwarded to the issuer. Form Factor 8 404-411 A C Mandatory for Visa and Diners. Indicator MasterCard Contactless: Tag 9F6E is defined to hold Third Party Data. (EMV TAG 9F6E)

Reserved For 14 412-425 A O Space-fill Future Use

If Transaction Source Field equals 02 (Card Not Present) or 30 (In-App Ecommerce) Value Description 1 Mail Order / Telephone Order Full Ecommerce Cardholder fully MOTO/ 5 authenticated using 3D Secure issuer Ecommerce 1 426-426 A C authentication. Authentication Indicator Attempted Ecommerce Cardholder 6 cannot or does not participate in 3D Secure. SSL or Channel Encrypted 7 Used to transmit Transaction Data (non-secure). Space-Fill Not applicable

Required if Transaction Source Field = 02 (Keyed). Value Description M Match N No Match U Issuer Does Not Participate P Unable to Verify Cardholder S Unable to Perform Verification Verification 1 427 A C Value (CVV2) Space-Fill Not Applicable American Express Values Value Description Y Match N No Match U Unchecked Space-Fill Not Applicable

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Field Name L Position F S Remarks

Address Verification Service Result Code. When a credit card company’s Address Verification Service (AVS) is utilized, this field will contain the code AVS Result 1 428 A O used by the credit card company to respond to the address verification request. This field may be space filled if a value is not transferred from the authorization response record. Returned in Authorisation Response Message as a result of an AVS Request

Dynamic CVV2 1 429 A O Reserved for future use Result Code YYMMDD Cruises Line: Check-in Date Car Rental: Check-in Date / returns Check-In Date 6 430-435 N O Tour-Operator / Travel-Agent: Check-in Date Hotel: pls. use the HAR-Record Otherwise Space-fill YYMMDD Cruises Line: Check-out Date / returns Car Rental: Check-out Date Check-Out Date 6 436-441 N O Tour-Operator / Travel-Agent: Check-out Date Hotel: pls. use the HAR-Record Otherwise Space-fill

Indicating that the Point of Sale Device is e.g. a Mobile or a Tablet Computer. Mobile POS (MPOS) 1 442 A C Value Description Indicator Mobile device has been used as Point M of Sale Space-fill Not applicable

Field denotes card brand selected by the customer at the Point of Interaction. Only applies to dual branded cards. Only currently supported for Union Pay. Dual Brand Only populate if a dual brand override is required. Override 2 443-444 A C Otherwise space-fill. Indicator Value Description UP Union Pay Space-fill Not applicable

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Field Name L Position F S Remarks

Optional data field is used in conjunction with certain card products that have minimum annual spending limits, and is populated by Visa. Indicates whether an account is spend-qualified, based on the point-of-sale spend history of the account and the defined product- level spend requirement for country of issuance. It is Spend Qualified forwarded to participating endpoints in authorisation and 1 445 A O Indicator full financial messages. Value Description N Spend qualification threshold not met Q Spend qualification threshold met Space-fill Spend processing does not apply

Indicates type of unattended terminal. Also known as Card Activated Terminal (CAT) Indicator. Unattended Value Description Acceptance Automated dispensing machine with PIN, 1 446 N O 1 Terminal online authorised Indicator 2 Self-Service terminal Limited amount terminal without PIN (No 3 CVM), offline

Indicates terminal card entry capabilities. Value Description 0 Unknown 1 No Terminal Used POS Terminal 2 Magnetic Stripe Reader 1 447 N M Capability ICC incl. Magnetic Stripe Reader and Key 3 Entry Contactless incl. ICC, Magnetic Stripe 7 Reader and Key Entry 8 Contactless Only 9 Key Entry Only

Indicates Debt Repayment Transactions. Debt Repayment 1 448 A M Value Description Indicator Y Debt Repayment Transaction Space-Filled Not Applicable

Reserved for 2 449-450 A M Space-filled Future Use

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Note: We can only accept a maximum of 9,999 Transaction Detail Records per Settlement Batch Record. Fields from position 117 to 385 and 404 to 425 in the TDR relate to EMV transactions. As such, these should only be populated where appropriate. They are to be filled if the Transaction Source Field (position 51-52) is equal to one of the following values 06, 07, 16, 17, 24, 25, 26, 27. If an EMV field is not present please space-fill if the field is alphanumeric or zero-fill if the field is numeric.

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Transaction AUX Record (TAR)

Field Name L Position F S Remarks

Record Type 3 1-3 A M Always TAR Data Record Sequence 9 4-12 N M Increment by 1 per data record Number

Only available in the VISA US region from the authorisation message. Otherwise space-fill.

Must be present in conjunction with Transaction Product ID 2 13-14 A C Identifier and Validation Code Fields.

Reference: Visa Transaction Identifier DE 62.23 (Card Level Result)

American Express: Field contains the Amex Transaction Identifier provided in the authorisation response message.

Visa: Field contains the Visa Transaction Identifier provided in the authorisation response message. Must be present in conjunction with the Transaction Validation Code and Authorisation 15 15-29 A C1 Identifier Characteristics Indicator fields. Please note: for tokenised Verified by Visa transactions this field will carry the TAVV (Token Authentication Verification Value).

Space-fill if not applicable.

Reference: Visa Transaction Identifier DE 62.2

Visa: information is be provided to the merchant as part of the authorisation message. Field may include a code to determine the accuracy of the Validation Code 4 30-33 A C1 authorisation date contained in the clearing record. Otherwise space-fill.

Reference: Visa Transaction Identifier DE 62.3

Field is required to qualify transactions for Visa Authorisation Custom Payment Services rates. Otherwise Characteristics 1 34 A C1 space-fill. Indicator Reference: Visa Transaction Identifier DE 62.1

For MasterCard transactions: MMDD Otherwise space-fill. BankNet Reference Date 4 35-38 N C 2 Must be present in conjunction with the Financial Network Code and BankNet Reference fields.

Reference: MasterCard Financial Network Data DE15

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Field Name L Position F S Remarks

For MasterCard transactions: Financial Otherwise space-fill. 3 39-41 A C2 Network Code Reference: MasterCard Financial Network Data DE 63.1

For MasterCard transactions. Last two digits are space filled. BankNet 8 42-49 A C2 Otherwise space-fill. Reference Reference: MasterCard Financial Network Data DE 63.2

Condition Code 4 50-53 A C Always space-filled Cashback Not higher than the transaction-amount in the 13 54-66 N O Amount TDR. Same currency as in the TDR.

Dynamic Currency Conversion (DCC) transactions only. Transaction Amount in Cardholder Currency. Zero-fill if not applicable.

Must be in major currency unit with two implicit Cardholder decimal places e.g. 13 67-79 N C3 Amount (DCC) 1 = 0000000000100 1 = 0000000000010 Right justified, leading zeroes.

Must be present in conjunction with the Cardholder Currency Code, Conversion Rate and Conversion Exponent fields.

Dynamic Currency Conversion (DCC) Cardholder transactions only. Currency Code 3 80-82 N C3 (DCC) ISO Numeric Currency Code of Cardholder. Zero-fill if not applicable.

Dynamic Currency Conversion (DCC) transactions only. Foreign Exchange Rate. Zero-fill if not applicable. This field has no implicit decimal point e.g. Conversion 8 83-90 N C3 Rate (DCC) 0.812 = 00000812

The exchange rate must express the value of 1 major unit of the transaction (and merchant's settlement) currency in terms of the cardholder currency, i.e. multiply the Transaction Amount by the Exchange Rate to get the Cardholder Amount.

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Field Name L Position F S Remarks

Dynamic Currency Conversion (DCC) transactions only. Number of digits in Foreign Exchange Rate Exponent. Zero fill if not applicable. Conversion 1 91 N C3 This value expresses the implicit decimal point in Exponent (DCC) the Conversion Rate e.g. Conversion Rate = 00000812 Conversion Exponent = '6' Exchange rate = 00.000812

Payment DBA name for the Dynamic Merchant of the Facilitator transaction (if Payment Facilitator Processing). Dynamic 25 92-116 A C Merchant DBA Space filled for non-Dynamic Merchant Name Information submitters.

Payment DBA City for the Dynamic Merchant of the Facilitator transaction (if Payment Facilitator Processing). 13 117-129 A C Dynamic Space filled for non-Dynamic Merchant Merchant City Information submitters.

Payment DBA Street address of the Dynamic Merchant of Facilitator the transaction (if Payment Facilitator Dynamic 25 130-154 A C Processing). Merchant Street Space filled for non-Dynamic Merchant Address Information submitters.

Payment DBA ZIP code of the Dynamic Merchant of the Facilitator transaction (if Payment Facilitator Processing). Dynamic 9 155-163 A C Merchant ZIP Space filled for non-Dynamic Merchant Code Information submitters.

Payment DBA State/Province Code of the Dynamic Facilitator Merchant of the transaction (if Payment Dynamic 2 164-165 A C Facilitator Processing). Merchant State/Province Space filled for non-Dynamic Merchant Code Information submitters

Payment DBA Country code of the Dynamic Merchant of Facilitator the transaction (if Payment Facilitator Dynamic 3 166-168 A C Processing). Numeric ISO 3166 Merchant Space filled for non-Dynamic Merchant Country Code Information submitters

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Field Name L Position F S Remarks

Payment Sub Merchant ID allocated by the Payment Facilitator Facilitator for the Dynamic Merchant of the Dynamic 14 169-182 A C transaction (if Payment Facilitator Processing). Merchant Sub Space filled for non-Dynamic Merchant Merchant ID Information submitters

Only valid and conditional for Discover Processing in the US/CAN. This field is required if the Card Transaction Track Data 2 183-184 N C receives a positive Authorization Response. This Condition Code field is required for association incentive interchange rates. Space-fill if not present. Please see below Note *1

Only valid and mandatory for Discover Processing in the US/CAN. Network Unique ID assigned by Discover at the time of Reference 15 185-199 A C the Authorization Response. It is not repeated for Identification a period of one (1) year and follows the life of the Number (NRID) Card Transaction. Space-fill If not present.

Only valid for Union Pay. Value received from Card Scheme Union Pay in the authorization Response. Data Date and 10 200-209 A C Format: MMDDHHMMSS Time Space-fill If not present.

Only valid for Union Pay. Value received from Card Scheme Union Pay in the authorization Response. Data Settlement 3 210-212 A C Format: Julian Day Date Space-fill If not present.

Digital Wallet Digital Wallet Data provided in authorizations 5 213-217 A C Data Please see Note *2 – Description table

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Field Name L Position F S Remarks

MasterPass authentication indicator. Formerly called the UCAF Collection Indicator. Value Description MasterPass – Consumer 0 Authentication not supported MasterPass – Merchant only / Accountholder 1 Authentication Authentication attempt Value (AAV) 1 218 N C 2 MasterPass – Full Authentication Collection MasterPass – Maestro Basic 3 Indicator Checkout MasterPass – Risk Based 5 Decision with Issuer. Not currently supported. MasterPass – Merchant used 6 own Risk Based Decision. Not currently supported.

MasterPass only: This field contains the MasterCard MasterCard assigned merchant ID. The value 6 219-224 A C Assigned ID should be provided if the AAV Collection Indicator has a value of 3.

Payment MCC Code for the Dynamic Merchant of the Facilitator transaction (if Payment Facilitator Processing) Dynamic 4 225-228 N C Merchant MCC Space filled for non-Dynamic Merchant Code Information submitters.

Payment Phone Number for the Dynamic Merchant of the Facilitator transaction (if Payment Facilitator Processing). Dynamic 20 229-248 A C Amex Only. Merchant Phone Space filled for non-Dynamic Merchant Number Information submitters.

Payment Email Address for the Dynamic Merchant of the Facilitator transaction (if Payment Facilitator Processing). Dynamic 40 249-288 A C Amex Only. Merchant Email Space filled for non-Dynamic Merchant Address Information submitters.

Tax ID for the Dynamic Merchant of the Payment transaction (if Payment Facilitator Processing). Facilitator 14 289-302 N C Amex Only. Dynamic Merchant Tax ID Space filled for non-Dynamic Merchant Information submitters.

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Field Name L Position F S Remarks

Contains the Elavon generated Unique Transaction Response Reference Number Unique supplied during authorisation via the Elavon ISO Transaction Protocol (EISOP) format. Response 11 303-313 A C Reference This value is not available via other authorisation Number protocols. Space-fill if not applicable.

Reference number provided in DCC Enquiry DCC Reference 14 314-327 N C Response message for Host DCC transactions. Number Zero-fill if not applicable.

Transit Data provided as part of a Transit Transaction. Value Description 01 Pre-Funded Transit Transaction 2 328-329 N C 02 Real-Time Authorised Type Indicator 03 Post-Authorised Aggregated 04 Authorised Aggregated Split Clearing 05 Other 06 Post-Authorised Aggregated Maestro 07 Debt Recovery

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Field Name L Position F S Remarks

Transit Data provided as part of a Transit Transaction. Value Description 00 Unknown 01 Urban Bus 02 Interurban Bus 03 Light Train Mass Transit 04 Train 05 Commuter Train 06 Waterborne Vehicle 07 Toll 08 Parking Transportation 2 330-331 N C 09 Taxi Mode Indicator 10 High-Speed Train 11 Rural Bus 12 Express Commuter Train 13 Para Transit 14 Self-Drive Vehicle 15 Coach 16 Locomotive 17 Powered Motor Vehicle 18 Trailer 19 Regional Train 20 InterCity 21 Funicular Train 22 Cable Car

Required for MasterCard transactions in the US Region Only. Contains a value from the authorisation response Transaction message that indicates fundamental safety and Integrity Class 2 332-333 A C security of a transaction. Includes an assessment (TIC) of validity of the card and cardholder. Value must be passed unaltered from authorisation to settlement. Mandatory for incentive interchange.

Payment Carries a unique reference number assigned to a Account cardholder’s card PAN. This value remains 35 334-368 AN C Reference constant across tokenised and non-tokenised (PAR) Number transactions.

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Field Name L Position F S Remarks

Indicates if the transaction has been processed under 3D Secure Version 1 or Version 2 rules. Mandatory for all 3D Secure transactions. 3D Secure 1 369 N C Version Number Value Description 1 3D Secure Version 1 2 3D Secure Version 2

Carries the Directory Server (DS) Transaction ID Directory Server generated during 3D Secure Version 2 (DS) Server 36 370-405 AN C authentication. Must be present for all Transaction ID MasterCard 3D Secure Version 2 transactions. Accountholder Carries the MasterCard SecureCode AAV. Authentication 32 406-437 AN C Formerly called the Universal Cardholder Value (AAV) Authentication Field (UCAF).

Indicates PIN entry capability. Value Description PIN Capability 1 438 N C 1 PIN supported Software based MPOS with PIN 3 supported

Indicates if an MPOS device is Hardware or Software Based. Mobile POS Value Description (MPOS) 1 439 N C Hardware Based MPOS – dedicated Acceptance 0 MPOS terminal with dongle (with or Device Indicator without keypad) Software Based MPOS – off the shelf 1 mobile device

Filler 11 A M Space-fill 440-450

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*1 Track Data condition Code / Discover US/CAN only Field Position 1 This position is the Track 1 Data Indicator. Position Value Description 0 = No Track 1 data present 1 = Track 1 data present with CVV not provided 2 = Track 1 data present with non-zero and non-blank CVV 3 = Track 1 data present with CVV set to all zeros 4 = Track 1 data present with CVV containing some or all blanks 5 = Track 1 data present but CVV location not disclosed by Issuer Field Position 2 This position is the Track 2 Data Indicator. Position Value Description 0 = No Track 2 data present 1 = Track 2 data present with CVV not provided 2 = Track 2 data present with non-zero and non-blank CVV 3 = Track 2 data present with CVV set to all zeros 4 = Track 2 data present with CVV containing some or all blanks 5 = Track 2 data present but CVV location not disclosed by Issuer Note: The value for this field may be found in positions 1-2 of the Transaction Qualifier (Field 124) in the Authorization Response *2 Digital Wallet description table

Description Field Length

Visa Checkout = V Digital Wallet Type 1 AN MasterPass = M

Visa Checkout Data  Position 1 – 2 Additional Authorisation Method  Position 3 - 4 Additional Authorisation Reason Code MasterCard MasterPass Data Digital Wallet Data 4 AN  Position 1 – 3 Wallet Identifier Values are: 101 (MasterPass Remote Ecommerce) 102 (MasterPass Remote NFC)  Position 4 Spaces

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Airline AUX Record (AAR)

Field Name L Position F S Remarks Record Type 3 1-3 A M Always AAR Data Record Sequence 9 4-12 N M Increment by 1 per data record Number Ticket 11 13-23 A M Airline ticket number (left justified with trailing spaces) Number Filler 12 24-35 N M Zero-fill Numeric airline code (IATA) Airline Code 3 36-38 N M e.g. ‘220’ for Lufthansa) Filler 2 39-40 N M Zero-fill Agent Code 8 41-48 N M Agency code (IATA) Agent Name 26 49-74 A M Agency name

Value Description Restricted 1 75 N M 0 No Restriction Ticket 1 Restricted (Non-Refundable)

Passenger 29 76-104 A M Passenger name Name Originating 3 105-107 A M Airport code (IATA) Airport Reservation 4 108-111 A O RESERVED (space-fill) System Segment 1 3 112-114 A M Carrier code (IATA) Class 3 115-117 A M Class of service

Value Description Stop-Over 1 118 N M 0 Allowed Code 1 Not Allowed

Leg Departure 8 119-126 N M MMDDYYYY Date Destination 3 127-129 A M Airport code (IATA) Fare Basis 6 130-135 A O Fare basis code Segment 2 3 136-138 A C Carrier code (IATA) Class 3 139-141 A C Class of service

Value Description Stop-Over 1 142-142 N C 0 Allowed 1 Not Allowed

Leg Departure 8 143-150 N C MMDDYYYY Date Destination 3 151-153 A C Airport code (IATA)

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Field Name L Position F S Remarks

Fare Basis 6 154-159 A O Fare basis code Segment 3 3 160-162 A C Carrier code (IATA) Class 3 163-165 A C Class of service

Value Description Stop-Over 1 166 N 0 Allowed 1 Not Allowed

Leg Departure 8 167-174 N C MMDDYYYY Date Destination 3 175-177 A C Airport code (IATA) Fare Basis 6 178-183 A O Fare basis code Segment 4 3 184-186 A C Carrier code (IATA) Class 3 187-189 A C Class of service

Value Description Stop-Over 1 190 N C 0 Allowed 1 Not Allowed

Leg Departure 8 191-198 N C MMDDYYYY Date Destination 3 199-201 A C Airport code (IATA) Fare Basis 6 202-207 A O Fare basis code Old Segments 192 208-399 A O RESERVED (Space pad) Customer 20 400-419 A O Airline Customer Code Code Flight Number 6 420-425 A O Flights number of 1st segment

Only valid for Visa. This field will contain either a space or a code to indicate the reason for a credit to the cardholder. Value Description Passenger transport ancillary purchase A Credit Reason cancellation 1 426 A O Indicator Airline ticket and passenger transport B ancillary purchase cancellation C Airline ticket cancellation O Other P Partial refund of airline ticket Space-fill Not applicable

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Field Name L Position F S Remarks

Only valid for Visa. This field will contain either a space or a code to indicate why a ticket was changed. Ticket Change 1 427 A C Value Description Indicator C Change to existing ticket N New ticket Space-fill Not applicable

Reserved 13 428-440 A M Space padded

Filler 10 441-450 A M Space padded

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Passenger Transport AUX Record (PTA)

Field Name L Position F S Remarks Record Type 3 1-3 A M Always PTA Data Record Sequence 9 4-12 N M Increment by 1 per data record Number Ancillary This field must contain the form number assigned by the Ticket carrier for the transaction. The value of this field is 14 13-26 A C Document comprised of the carrier code, form, and serial number, Number without check digit. Ancillary This field must contain the ancillary service category Service 4 27-30 A C code for the sole or primary type of service provided. Category 1 Ancillary This field must contain either a valid ancillary service Service Sub- 4 31-34 A C sub-category code for the Ancillary Service Category 1 Category 1 field, or all spaces. Ancillary This field must contain either an ancillary service Service 4 35-38 A C category code for an additional second type of service Category 2 that has been provided, or all spaces. Ancillary This field must contain either a valid ancillary service Service Sub- 4 39-42 A C sub-category code for the Ancillary Service Category 2 Category 2 field, or all spaces. Ancillary This field must contain either an ancillary service Service 4 43-46 A C category code for an additional third type of service that Category 3 has been provided, or all spaces. Ancillary This field must contain either a valid ancillary service Service Sub- 4 47-50 A C sub-category code for the Ancillary Service Category 3 Category 3 field, or all spaces. Ancillary This field must contain either an ancillary service Service 4 51-54 A C category code for an additional fourth type of service that Category 4 has been provided, or all spaces. Ancillary This field must contain either a valid ancillary service Service Sub- 4 55-58 A C sub-category code for the Ancillary Service Category 4 Category 4 field, or all spaces.

This field contains the fee description for the airline Ancillary Fee 13 59-71 A C ancillary service provided. This description will be Description passed to Visa in place of the ticket number.

If purchase has a connection or relationship to another Issued in purchase (e.g. baggage fee for passenger transport Connection ticket) field must contain ticket document number for the 14 72-85 A C with Ticket other purchase. For a standalone purchase, this field Number must contain the same value as in the Ancillary Ticket Document Number Field.

Applies to transportation merchants. Identifies the reason Ancillary for a non-ticket related transaction. Service Fee 2 86-87 AN C Code 1 See Ancillary Fee Code Appendix for values. This and the related Ancillary Fee Amount field can be

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repeated up to four times.

Fee amount. Two implied decimal positions. Ancillary 27.00 EUR = 000000002700 Service Fee 12 88-99 N C 100 JPY = 000000010000 Amount 1 100.000 KWD = 000000010000 Right justified and zero-padded.

Ancillary Service Fee 2 100-101 AN C Second fee code. Code 2 Ancillary Service Fee 12 102-113 N C Second fee amount. Amount 2 Ancillary Service Fee 2 114-115 AN C Third fee code. Code 3 Ancillary Service Fee 12 116-127 N C Third fee amount. Amount 3 Ancillary Service Fee 2 128-129 AN C Fourth fee code. Code 4 Ancillary Service Fee 12 130-141 N C Fourth fee amount. Amount 4

Filler 309 A M Space-fill 142-450

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Diners AUX Record (CRR)

Field Name L Position F S Remarks Record Type 3 1-3 A M Always CRR Data Record Sequence Number 9 4-12 N M Increment by 1 per data record ROC Text 2 15 13-27 A O Diners Customer Reference 2 ROC Text 3 15 28-42 A O Diners Customer Reference 3 ROC Text 4 15 43-57 A O Diners Customer Reference 4

ROC Text 5 10 58-67 A O Diners Customer Reference 5 ROC Text 6 10 68-77 A O Diners Customer Reference 6

Invoice Number 15 78-92 A O Diners Airline Invoice Number

Filler 358 93-450 A M Space-fill Hotel Addendum AUX Record (HAR)

Field Name L Position F S Remarks Record Type 3 1-3 A M Always HAR Data Record Sequence Number 9 4-12 N M Increment by 1 per data record Date of Check-In 6 13-18 N M YYMMDD Date of Check-Out 6 19-24 N M YYMMDD Number in Party 3 25-27 N M Acceptable Values are ‘001’ to ‘999’ Name of Guest 20 28-47 A M Folio Reference Number 10 48-57 AN O Hotel Folio Number Confirmed Reservation Indicator 1 58 A O Y or N Daily Room Rate 15 59-73 AN O

Filler 377 74-450 A M Space-fill

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Extended Data AUX Record (EXD) Private Use

Field Name L Position F S Remarks

Record Type 3 1-3 A M Always ‘EXD’ Data Record 9 4-12 N M Increment by 1per data record Sequence Number Current EXD Record Identifies the current EXD record in the 4 13-16 N M Number sequence from 0001 – 9999. Total No of EXD Total No of EXD recs associated with the current 4 17-20 N M Records TDR (min 0001, max 9999) EXD Format 4 21-24 A M The format of the Extended Data e.g. “VGIS”

EXD Data 426 25-450 A M Extended Data. For VGIS format, the XML Data. Purchase Card AUX Record (PAR) Private Use

Field Name L Position F S Remarks Record Type 3 1-3 A M Always PAR Data Record Sequence 9 4-12 N M Increment by 1per data record Number Attribute contains the card acceptor/supplier Card Acceptor 17 13-29 A M reference number (e.g. order number or invoice Reference number). Order Date 8 30-37 N O YYYYMMDD Indicates the number of PIR records that will Number of Line Items 2 38-39 N M follow the PAR record. Acceptable values are ‘001’ to ‘010’ Filler 411 40-450 A M Space padded

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Purchase Card Info AUX Record (PIR) Private Use

Field Name L Position F S Remarks Record Type 3 1-3 A M Always PIR Data Record 9 4-12 N M Increment by 1per data record Sequence Number Line Sequence Contains the line number for this item (001 to 010). 3 13-15 N M Number Valid values are 001-010 only. Product ID 15 16-30 A O Contains the Product Code of the item purchased. Indicates the quantity of the item purchased and the Item Quantity 12 31-42 N O associated decimal point location. Four decimal places are implied. Indicates which unit of measure is used to convey one Item Unit of 12 43-54 A O item. Allowed values are Litre, Kilo, Gallon, , Measure Pieces. Contains the price per unit. Four decimal places are Unit Price 12 55-66 N O implied (including tax). Amount is denoted in the transaction currency. Two Extended Item 12 67-78 N O decimal places are implied. The net-price multiplied by Amount quantity. Contains amount of sales tax or value added tax (VAT) on Tax Amount 12 79-90 N C the purchase amount. Amount is denoted in the transaction currency. Two decimal places are implied. Tax Rate 6 91-96 N C Four decimal places are implied, e.g. 25% = 250000 Line Item Total Attribute contains the total gross amount with discount Amount 12 97-108 N O and inclusive of tax (VAT). Amount is denoted in the transaction currency. Two decimal places are implied. Line Item Date 8 109-116 N O YYYYMMDD Corporate Contract 40 117-156 A O Attribute contains the corporate contract number. Number Value Description Transaction Type 2 157-158 N M 00 Purchase (Debit) 01 Refund (credit)

Filler 292 159-450 A M Space-fill

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Alternative Payment AUX Record (APM)

Field Name L Position F S Remarks Record Type 3 1-3 A M Always APM Data Record Sequence 9 4-12 N M Increment by 1per data record Number

Only applies to ZAPP

Settlement Value Description 2 13-14 A C Type FP Fasterpayments ON ONUS Space-fill Refund

Only applies to ZAPP sales transaction. Either the FP (Fasterpayments) or ONUS (merchant and Payment 42 15-56 A C customer has account within same financial institute) Reference reference. Mandatory for Sale transactions. Space-fill for refunds.

Reconciliation Only applies to ZAPP – Recon ID assigned uniquely on a 15 57-71 A C ID daily basis. Space-fill if not available. Consumer Financial 6 72-77 N M ZAPP - CFI ID - not yet supported Institution ID CFI Account Only applies to ZAPP - Mandatory for refund transactions. 34 78-111 N C Number Space-fill for sale transactions. CFI Account Only applies to ZAPP - Mandatory for refund transactions. 8 112-119 A C Sort Code Space-fill for sale transactions. Only applies to ZAPP - Required for Building Society CFI RollNum 35 120-154 A O accounts. Optional for refund transactions. Otherwise space-fill. Refund Transactions: field contains the Settlement Settlement 18 155-172 N C Retrieval ID taken from the original sale being refunded Retrieval ID and is mandatory. Space-fill for sale transactions. Only applies to ZAPP - The value is related to the Case 14 173-186 A O chargeback from portal file. Reference ID Optional for refunds otherwise space-fill. Transaction 2 187-188 N O Indicates that transaction attracts an extra fee Plus Indicator Unique Zapp remittance information. Unique Reference ID is 18 189-206 A C Reference ID provided by the CFI in Refund API. Filler 244 207-450 A M Filler

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TXN Trailer Record (TTR)

Field Name L Position F S Remarks Record Type 3 1-3 A M Always TTR Data Record 9 4-12 N M Increment by 1 per data record Sequence Number TDR Record Count 9 13-21 N M Number of TDR records in batch Number of various auxiliary records in batch AUX Record Count 9 22-30 N M (TAR, AAR, CCR, HAR, AAR, PAR, PIR, EXD) Total number of records in batch Total Record Count 9 31-39 N M (only TDR records and AUX records) Credit Transactions 9 40-48 N M Number of credit (refund) transactions in batch Count Value of Credit 13 49-61 N M Accumulated value for credit transactions in batch Transactions Debit Transactions 9 62-70 N M Number of debit (sale) transactions in batch Count Value of Debit 13 71-83 N M Accumulated value for debit transactions in batch Transactions Net Value of Net value of batch (debits minus credits) 13 84-96 N M Transactions Should be an absolute value. Filler 354 97-450 A M Space-fill

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File Trailer Record (FTR)

Field Name L Position F S Remarks Record Type 3 1-3 A M Always FTR Data Record 9 4-12 N M Increment by 1 per data record Sequence Number SBR Record Count 9 13-21 N M Total number of SBR records in file THR Record Count 9 22-30 N M Total number of THR records in file TTR Record Count 9 31-39 N M Total number of TTR records in file TDR Record Count 9 40-48 N M Total number of TDR records in file Auxiliary Record Total number of various auxiliary records in file 9 49-57 N M Count (TAR, AAR, CCR, HAR, AAR, PAR, PIR, EXD)

Credit Record Count 9 58-66 N M Total number of CREDIT (refund) records in file

Debit Record Count 9 67-75 N M Total number of DEBIT (sale) records in file Total HASH value of CREDIT (refund) Hash Credit Value 15 76-90 N M transactions in file Total HASH value of DEBIT (sale) transactions Hash Debit Value 15 91-105 N M in file

Total HASH net value of all transactions in file Hash Net Value 15 106-120 N M (i.e. DEBIT minus CREDIT)

Total number of records in file Total Record Count 9 121-129 N M ( all records including FHR and FTR) Filler 321 130-450 A M Space-fill

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Diagram of GMCIF File Construction

File Header Record

(FHR)

Settlement Batch Settlement Batch Settlement Batch

Record (SBR) Record (SBR) Record (SBR)

Transaction Transaction Transaction Transaction Currency Currency Currency Header Currency Header Header Header Record (THR) Record (THR) Record (THR) Record (THR)

Transaction Transaction Transaction Detail Transaction Detail Detail Record Detail Record Record (TDR) Record (TDR) (TDR) (TDR)

Transaction Transaction Transaction Detail Transaction Detail Addendum Addendum Record (TDR) Record (TDR) Record (TAR) Record (TAR)

Transaction Transaction Detail Transaction Detail Airline AUX Addendum Record (TDR) Record (TDR) Record (AAR) (CCR)

Transaction Transaction Detail Transaction Detail Addendum Record (TDR) Record (TDR) (HAR)

Transaction Transaction Transaction Transaction Currency Currency Currency Trailer Currency Trailer Trailer Record Trailer Record Record (TTR) Record (TTR) (TTR) (TTR)

File Trailer Record

(FTR)

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Ancillary Fee Codes Used in conjunction with the Ancillary Fee Code fields in the Passenger Transport AUX Record (PTA).

Code Description Code Description BF Bundled Service OT Other BG Baggage Fee PA Passenger Assist Fee CF Change Fee PT Pets CG Cargo SA Seat Fee CO Carbon Offset SB Standby FF Frequent Flyer SF Service Fee GF Gift Card ST Store GT Ground Transport TS Travel Service IE In-Flight Entertainment UN Unaccompanied Travel LG Lounge UP Upgrades MD Medical WI WiFi ML Meal/Beverage

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Multi-Currency Conversion The below table lists currencies available for Multi-Currency Conversion (MCC) processing. Currency names marked with an (S) indicate that Elavon accept and settle payments in that currency.

Heading Description N Numeric Code A Alphabetic Code Currency Currency Name MU Number of Minor Units / Decimal Places

N A Currency MU N A Currency MU

12 DZD 2 404 KES Kenyan 2

973 AOA 2 410 KRW Korean Won 0

32 ARS Argentine Peso 2 414 KWD 3

51 AMD 2 417 KGS Kyrgyzstani 2

533 AWG Aruban Guilder 2 422 LBP 2

36 AUD (S) 2 434 LYD 3

944 AZN 2 446 MOP 2

44 BSD Bahamian Dollar 2 807 MKD 2

48 BHD 3 969 MGA 2

50 BDT 2 454 MWK 2

52 BBD Barbadian Dollar 2 458 MYR 2

933 BYN Belarussian 2 480 MUR Mauritian 2

84 BZD Belize Dollar 2 484 MXN Mexican Peso 2

60 BMD Bermudian Dollar 2 498 MDL 2

68 BOB Bolivian Boliviano 2 496 MNT Mongolian Tugrik 2

Bosnia Herzegovina 977 BAM 2 504 MAD 2 Mark 72 BWP 2 104 MMK 2

986 BRL 2 516 NAD Dollar 2

British 826 GBP 2 524 NPR 2 (S) Netherlands Antillean 96 BND 2 532 ANG 2 Guilder 975 BGN Bulgarian Lev 2 554 NZD New Zealand Dollar (S) 2

108 BIF Burundian 0 558 NIO Nicaraguan Cordoba 2

132 CVE Cabo Verdean Escudo 2 566 NGN 2

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N A Currency MU N A Currency MU

116 KHR 2 578 NOK Norwegian Krone (S) 2

124 CAD Canadian Dollar (S) 2 512 OMR 3

136 KYD Cayman Islands Dollar 2 586 PKR 2

152 CLP Chilean Peso 0 590 PAB 2

156 CNY Chinese Yuan 2 598 PGK Papua New Guinean Kina 2

170 COP Columbian Peso 2 600 PYG Paraguayan Guarani 0

976 CDF 2 604 PEN 2

188 CRC Costa Rican Colon 2 608 PHP 2

191 HRK Croatian Kuna 2 985 PLN Polish Zloty (S) 2

203 CZK (S) 2 634 QAR 2

208 DKK Danish Krone (S) 2 946 RON Romanian New Leu 2

214 DOP Dominican Peso 2 643 RUB 2

951 XCD East Caribbean Dollar 2 646 RWF 0

818 EGP 2 882 WST Samoan Tala 2

230 ETB 2 682 SAR 2

978 EUR Euro (S) 2 941 RSD 2

242 FJD Fijian Dollar 2 690 SCR 2

French Polynesian 953 XPF 0 702 SGD (S) 2 Franc 950 XAF Franc 0 710 ZAR (S) 2

270 GMD 2 144 LKR 2

981 GEL 2 752 SEK Swedish Krona (S) 2

936 GHS Ghanaian Cedi 2 756 CHF Swiss Franc (S) 2

320 GTQ 2 760 SYP 2

328 GYD Guyanese Dollar 2 901 TWD Taiwan New Dollar 2

332 HTG Haitian Gourde 2 834 TZS 2

340 HNL 2 764 THB 2

344 HKD (S) 2 780 TTD Trinidad and Tobago Dollar 2

348 HUF (S) 2 788 TND 3

352 ISK Icelandic Krona 2 949 TRY Turkish New 2

356 INR 2 980 UAH 2

United Arab Emirates 360 IDR 2 784 AED 2 Dirham

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N A Currency MU N A Currency MU

376 ILS 2 840 USD (S) 2

388 JMD Jamaican Dollar 2 858 UYU Uruguayan Peso 2

392 JPY (S) 0 860 UZS Uzbekistani Soʻm 2

400 JOD 3 704 VND Vietnamese Dong 0

398 KZT Tenge 2 952 XOF West African CFA Franc 0

886 YER 2

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Revision History

Date Author Version Description of Change 28th Oct 2008 AT 2.08 Insert Record-Type DCC and AME 1st Dec 2008 AT 2.09 Insert Check-Out-Date on TDR 16th Dec 2008 AT 2.10 Rename AME to TAR, some clarifications

7th Jan 2009 AT 2.11 Expand TAR with DCC 13th Jan 2009 AT 2.12 Separate Visa-CPS-data and BankNet-data in different fields. Clarify ACI 27th Jan 2009 AT 2.13 Add Check-In-Date, small corrections 27th Jan 2009 AT 2.14 Reduce Airline Addendum-data up to 4 Legs. Correct EMV- position 4th Feb 2009 AT 2.15 Correction Check-out + in-date 10th Mar 2009 AT 2.16 Reduce the Cardholder-Amount (DCC) from 3 to 2 implicit decimal places and sort the TAR after the AAR 20th Mar 2009 AT 2.17 Corr. Decimal points DCC

14th Apr 2009 AT 2.18 Small corrections EMV-fields 18th Jun 2009 PS 2.19 Added values on POS entry mode for contactless payments 23rdJun 2009 PS 2.20 Explanation ECI and Purchase-date 24th Feb 2010 SF 2.21 STAN and RRN added to TDR, PAR and PIR records added. 25th Feb 2010 SF 2.21 ‘Number of Line Items’ added to PAR 5th Mar 2010 AT 2.22 Corr. Filler PIR-Record 6th Apr 2010 AT 2.30 Refresh the document / Alpha-Ticket-No.

17th May 2010 AT PIR-Record: add Sign-field 31st Aug 2010 AT Creation SOC number

25th Jan 2011 AT 2.31 Correction SOC-No + FTR amounts 29th Mar 2011 AT 2.32 Clarifications (AAR: eliminate Check-Digit)

7th Jun 2011 AT 2.40 Insert HAR, CRR and EXD / Insert Diners Invoice No (AAR)I

24th Jun 2011 AT 2.41 Correction Lengths on HAR, CRR Change cut-off time from 22:45 to 22:15 11th Oct 2011 AT 2.42 Insert Transaction Source - Table

20th Oct 2011 AT 2.43 Move DC-Airline-Invoice-Number from AAR to CRR

21st Feb 2012 AT 2.44 TAR: clarifications some fields / KAAI references

27th Mar 2012 AT 2.45 Minor corrections

29th May 2012 AT 2.46 Transaction ID change to ‘N’

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Date Author Version Description of Change 19th Jun 2012 AT 2.47 Small optical changes

21st Aug 2012 AT 2.49 EMV TAG corrections

23rd Oct 2012 AT 2.50 Insert amount examples in TDR, ‘Transaction amount’. Clarification Chip-fields / Transaction ID changed to AN 25th Jan 2013 PS 2.51 Change on TAR BankNet ref date description from zero filled into space filled 2nd Feb 2013 ME 2.52 - Fixed conflicting TAR-AAR record sequences, all to TDR->TAR- >AAR Section 4.2 – File Structure – TAR and AAR sections swapped, other sections show correct record order Section 5.1 TDR record – description for State/Province-Code Position [115..116] corrected – reference to Section 4.6.6 updated to 4.6.5 9th Apr 2013 AT 2.53 Correction Lengths ‘BankNet-Reference’ and ‘Condition Code’ Clarification ‘Currency’ in THR and TDR 25th Apr 2013 ME 2.54 RECORD : TDR POSITION : [341..343] CHANGE: Field type changed from “N” to “A” after check with AXIS on field definition 28th Oct 2013 PS 2.55 Fields for Discover Processing added: Track Data Condition Code and Network Reference Identification Number (NRID) 29th Oct 2013 PS 2.56 SBR: Dynamic Merchant Indicator field added. Merchant Group Identifier field added TAR: Dynamic Merchant Detail fields added. TDR: M-POS Indicator added TDR: STAN description changed 15th Nov 2013 PS 2.57 Length of Dynamic Merchant Data changed on TAR Correction of BankNet Reference field length and description on TAR 10th Dec 2013 PS 2.58 Added Card Brand Override Indicator

4th Feb 2014 PS 2.59 Added ancillary data in AAR. Added a new record called PTA for passenger transport ancillary data for VISA only. TDR: Added field Spend Qualified Indicator Added file number within FHR 4th Apr 2014 PS 2.60 Added digital wallet data and MasterPass merchant enabled flag

25th Mar 2015 PS 2.61 TDR: Added Form Factor Indicator – EMV processing value; Added UCAF Collection Indicator field for MasterPass transactions Added MasterCard assigned ID TDR: Added Form Factor Indicator

13th Apr 2015 PS 2.62 TDR: Added transaction source code for APM draft Added authorization source code for APM Added ZAPP transaction reference details Added 2 notes *4 on card-number field for ZAPP payments and *5 on Expiry Date field for ZAPP payments New Record created called APM. Added APM AUX Record

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Date Author Version Description of Change 13th Oct 2015 P Hammerson 2.62a TDR: Transaction Reference Field: changed ‘APTRID’ to ‘Settlement Retrieval ID’ APM: CFI RollNum Field: changed ‘To’ Column value from ‘134’ to ‘154’ Changed all subsequent ‘To’ / ‘From’ values accordingly ‘Reference ID’ Field: changed name to ‘Settlement Retrieval ID’ ‘Settlement Retrieval ID’ Field: Updated Remarks Column Added new Field: ‘Unique Reference ID’ Filler Field: changed ‘Length’ value from ‘282’ to ‘244’ Filler Field: changed ‘From’ value from ‘169’ to ‘207’ 15th Feb 2016 P Hammerson 2.62b Transaction AUX Record ‘TAR’ Removed ‘Not Supported’ comment from UCAF Collection Indicator value 3 and MasterCard Assigned ID Field 18th Apr 2016 P Hammerson 2.62c Transaction Detail Record (TDR) MOTO/Ecommerce Authentication Indicator Field: updated description of field contents. Removed notes relating to 3D Secure Indicators. 29th Jul 2016 P Hammerson 2.62d TXN Detail Record (TDR): Transaction Source Field – added value 10 Credential on File Transaction. Reformatted table. TXN Detail Record (TDR): Dedicated File (DF) Name Field – updated description. Transaction AUX Record (TAR): Transaction Identifier Field – updated description to support American Express Transaction ID. 4th Oct 2016 P Hammerson 2.62e TXN Header Record – SOC Number Field: updated description. TXN Header Record – SOC Merchant Reference Field: updated description. TXN Detail Record – State/Province Code (Merchant) Field: updated description. TXN Detail Record – Terminal Capabilities Field: updated description. Revision History: moved section to end of document and corrected references where required. TXN Detail Record – Transaction Source: Credential On File Transaction changed to Reserved For Future Use. Reformatted document.

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Date Author Version Description of Change 1st Feb 2017 P Hammerson 2.63 Special Field Requirements, Payment Facilitator: added comment re: PF requirements. Settlement Batch Record (SBR), Payment Facilitator Dynamic Merchant Indicator Field: updated field name and description. Transaction AUX Record (TAR): updated field names and descriptions for existing Payment Facilitator Fields. Added new Fields: Payment Facilitator MCC Code; Phone Number; Email Address; Tax ID. Added new Field: Unique Transaction Reference Number. TXN Detail Record (TAR) – Transaction Source: added new value 30 (In-App Secure Ecommerce). TXN Detail Record (TAR) – MOTO/Ecommerce Authentication Indicator: updated description. File Header Record (FHR) – Processor ID: updated description. File Header Record (FHR) – Processor Name: updated description. Special Field Requirements – SE Number: updated description. Settlement Batch Record (SBR), SE Number: updated description. TXN Detail Record (TDR), Cardholder Verification Value (CVV2): updated description and added additional values. Alternative Payment AUX Record (APM) – Reconciliation ID Field: updated description and status to Conditional where ID is available. 25th Jul 2017 P Hammerson 2.64 Transaction Detail Record (TDR) – Transaction Source: added new value 3 (PAN Auto Entry) Transaction Detail Record (TDR): added new fields (Unattended Acceptance Terminal Indicator / Terminal Capability) Transaction AUX Record (TAR): added new fields (DCC Reference Number / Transit Type Indicator / Transportation Mode Indicator) 4th Oct 2017 P Hammerson 2.65 TXN Detail Record (TDR), POS Capability Field: new value added, 9 (Key Entry), updated description. TXN Detail Record (TDR), Authorisation Source Field: updated description. Appendices: added Multi-Currency Conversion appendix. 17th Apr 2018 P Hammerson 2.66 Transaction AUX Record (TAR) – Transaction Identifier Field: updated description to include TAVV. TXN Detail Record (TDR) – Transaction Type Field: added new values 05 (Instalment Transaction), 06 (Unscheduled Credential on File) and 07 (Storing Credential on File). TXN Detail Record (TDR) – Transaction Source Field: updated value 10 to indicate Credential on File. TXN Detail Record (TDR): added new field (Debt Repayment Indicator). Diagram of GMCIF File Construction: updated diagram. TXN Detail Record (TDR) – Form Factor Indicator Field: added support for Diners Form Factor Indicator. Transaction AUX Record (TAR): added new field (Transaction Integrity Class). Multi-Currency Conversion: removed and – no longer supported.

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Date Author Version Description of Change 20th Jul 2018 P Hammerson 2.67 Transaction AUX Record (TAR) – Unique Transaction Response Reference Number Field: updated field name and description. TXN Detail Record (TDR) – Transaction Reference Field: updated description. TXN Detail Record (TDR) – Transaction Type Field: updated description of value 05 (Instalment Transaction and 07 (Storing Credential on File) to support MasterCard. TXN Detail Record (TDR) – Transaction Source Field: updated description of value 10 (Credential on File) to support MasterCard. Settlement Batch Record – Settlement Currency Field: updated description. Transaction AUX Record – Cardholder Amount (DCC) Field / Cardholder Currency Code (DCC) Field / Conversion Rate (DCC) Field / Conversion Exponent (DCC) Field: updated descriptions. 1st Oct 2018 P Hammerson 2.68 TXN Detail Record (TDR) – Card Number Field: changed format from Numeric to Alphanumeric. TXN Detail Record (TDR): new field added (Reserved for Future Use). TXN Detail Record (TDR) – Transaction Source Field: updated description, removed references to card schemes. TXN Detail Record (TDR) – Form Factor Indicator: updated description. Universal Cardholder Authentication Field (UCAF): updated name to Accountholder Authentication Value (AAV) across document. Transaction AUX Record (TAR) – Digital Wallet Description Table: updated V.Me to Visa Checkout. TXN Detail Record (TDR) – Cardholder Verification Value (CVV2) Field: added American Express values. Transaction Detail Record (TDR) – Mobile POS (MPOS) Indicator: updated name to differentiate it from new Mobile POS (MPOS) Acceptance Device Field. Transaction Detail Record (TDR) – Dedicated File (DF) Name: updated description to advise that field is mandatory for Diners transactions. Transaction AUX Record (TAR): added new fields Payment Account Reference (PAR) Number / 3D Secure Version Number / Directory Server (DS) Transaction ID / Accountholder Authentication Value (AAV) / PIN Capability / Mobile POS (MPOS) Acceptance Device Indicator. Passenger Transport AUX Record (PTA): added new fields Ancillary Service Fee Code (x4) and Ancillary Service Amount (x4). Appendices: added new Appendix Ancillary Fee Codes.

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