3.1 Sub-elements and Attributes

This section describes the message sub-elements and attributes, listed below in alphabetical order.

3.1.1 ACCNO

The ACCNO element is used to describe the account number in the ACCOUNT element. This number is the 16-19 digit Thredd public token of the created card, and is generated by Thredd. It uses the ACCNO data type.

Example

<ACCNO>5432160123456789</ACCNO>

3.1.2 ACCTYPE

The ACCTYPE element is used to indicate the type of card account. 

Example

<ACCTYPE>00</ACCTYPE>

3.1.3 BANKACC

The BANKACC element indicates the agency banking account number assigned to the cardholder's account. 

Example

<BANKACC>12345678</BANKACC>

3.1.4 CRDACCNO

The CRDACCNO is used to describe the account number in the CARD element. It uses the CRDACCNO data type.

Example

<CRDACCNO>5432160123456789</CRDACCNO

3.1.5 CRDCURRCODE

• The CURRCODE element indicates the currency the ACCOUNT operates.

• The CRDCURRCODE indicates the currency the CARD operates.

Both elements are based on the CRDCURRCODE data type. 

Example

<CURRCODE>GBP</CURRCODE>
<CRDCURRCODE>GBP</CRDCURRCODE>

3.1.6 CRDPRODUCT

The CRDPRODUCT element is used to indicate the card network, which is either Visa (VISA) or Mastercard (MCRD). 

Example

<CRDPRODUCT>MCRD</CRDPRODUCT>

3.1.7 CUSTCODE

This may be left blank or populated with the last 8 digits of the PAN. 

Example

<CUSTCODE>12345678</CUSTCODE>

3.1.8 EXPDATE

The EXPDATE element indicates the expiry date of the card as specified when the card is created. 

Example

<EXPIRYDATE>2021-01-31</EXPIRYDATE>

3.1.9 GPSEXPDATE

The GPSEXPDATE element indicates the expiry date of the card as specified when the card is activated. 

Example

<GPSEXPIRYDATE>2021-01-31</GPSEXPIRYDATE>

3.1.10 ID

The ID attribute identifies the scheme to which the Balance XML data belongs. 

Example

<SCHEME ID="ABC">

3.1.11 LINKEDTOKEN

If the card is linked to another card with a different account, then this field holds the Thredd public token of the linked card. 

Example

<LINKEDTOKEN>6543210123456789</LINKEDTOKEN>

<MASKEDPAN>556752******6789</MASKEDPAN>

3.1.12 PAN

The PAN element is used to indicate the Primary Account Number of a CARD element.  If you are not PCI DSS Compliant then will contain the Thredd 16-digit public token.

Example

<PAN>1234567812345678</PAN>

Thredd 16-digit public token

The format of the 16-digit Thredd public token is as follows:

xxxYYYYYYYYYzzzz

where:

• xxx — is the 3 digits derived from the Thredd internal scheme ID

• YYYYYYYYY — is the 9-digit Thredd public token

• zzzz — is the last 4 digits of the card's PAN

3.1.13 PAYMENT

The PAYMENT element describes additional payment options selected by the card account holder. 

Example

<PAYMENT>R5P1</PAYMENT>

3.1.14 PRIMARY

The PRIMARY element indicates whether or not the card is the Primary card on the account. There can only be one Primary card on a given account. 

Example

<PRIMARY>Y</PRIMARY>

3.1.15 PRIMARYTOKEN

Provides the full Primary Account Number (PAN) of the card.

This field is only available if you receive the full, unencrypted PAN; if you do not receive the full PAN, then this field will not appear.

Example

<PRIMARYTOKEN>234321042355666</PRIMARYTOKEN>

3.1.16 PRODUCTID

The PRODUCTID element indicates the ID of product associated with the card.

Example

<PRODUCTID>1234</PRODUCTID>

3.1.17 PROGRAMID

The PROGRAMID element indicates the program to which the card is linked. 

Example

<PROGRAMID>FEDCBA</PROGRAMID>

3.1.18 SORTCODE

The SORTCODE element indicates the agency banking sort code assigned to the card program. 

Example

<SORTCODE>123456</SORTCODE>

3.1.19 STATCODE

The STATCODE element indicates the card status. 

Example

<STATCODE>00</STATCODE>

3.1.20 VIRTUAL

The VIRTUAL element indicates whether the card is a physical or a virtual card. 

Example

<VIRTUAL>Y</VIRTUAL>