3.1 GetTransaction Example Messages
This section provides examples of common transaction messages and responses. This section includes the following topics:
EHI_JSON_Guide_5.1 The EHI feed does not send JSON fields to externally-hosted systems where the values for the field data are blank. This is different from EHI feeds with XML fields where the feed can send blank values.
3.1.1 Example Authorisations
Authorisation Request
Below is an example of the HTTP POST body data for an authorisation request.
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{
"Acquirer_Country": "GBR",
"FxProviderCardholderRate": 0.0,
"POS_Date_DE13": "00000000",
"Traceid_Message": "VIS1-20221219-002353117950020",
"Visa_POS_Data_DE60": "020000000000",
"Network_Transaction_ID": "0002353117950020",
"DCC_Indicator": 0,
"multi_part_txn": 0,
"multi_part_txn_final": 0,
"auth_type": "0",
"auth_expdate_utc": "2022-12-27 07:28:36.045",
"Merch_Name": "Travel Like A Pro",
"Merch_Country": "HRV",
"GPS_POS_Capability": "00001001000000000000000100010010001000000001130C0",
"GPS_POS_Data": "9968000800000Nx000NNNNNU0NUUXXU",
"Response_Source_Why": 0,
"Message_Why": 0,
"traceid_lifecycle": "VIS1-20221219-002353117950020",
"Balance_Sequence": 114,
"Balance_Sequence_Exthost": 0,
"Acquirer_id_DE32": "0844622180",
"ActBal": 10001.0000,
"Auth_Code_DE38": "143088",
"Avl_Bal": 10001.0000,
"Bill_Amt": 1.0000,
"Bill_Ccy": "826",
"BlkAmt": 0.0000,
"FX_Pad": 0.0000,
"Fee_Fixed": 0.0000,
"Fee_Rate": 0.0000,
"MCC_Code": "4111",
"MCC_Desc": "Commuter Transport, Ferries",
"MCC_Pad": 0.0000,
"Merch_ID_DE42": "4111",
"Merch_Name_DE43": "Travel Like A Pro HR",
"POS_Data_DE22": "0110",
"Proc_Code": "200000",
"Resp_Code_DE39": "00",
"Ret_Ref_No_DE37": "235303502517",
"Settle_Amt": 1.0000,
"Settle_Ccy": "826",
"Status_Code": "00",
"Token": 107419774,
"Trans_link": "221219002517622180",
"Txn_Amt": 1.0000,
"Txn_CCy": "826",
"Txn_Ctry": "HRV",
"Txn_Desc": "Travel Like A Pro HR",
"Txn_GPS_Date": "2022-12-19 07:28:37.526",
"TXn_ID": 6155805913,
"Txn_Stat_Code": "A",
"TXN_Time_DE07": "1219072835",
"Txn_Type": "A",
"Authorised_by_GPS": "N",
"CU_Group": "DEF_PV",
"InstCode": "TEST",
"MTID": "0100",
"ProductID": 99883,
"SubBIN": 44622180,
"TLogIDOrg": 0,
"VL_Group": "MLMS_PV_GB",
"Dom_Fee_Fixed": 0.0000,
"Non_Dom_Fee_Fixed": 0.0000,
"Fx_Fee_Fixed": 0.0000,
"Other_Fee_Amt": 0.0000,
"Fx_Fee_Rate": 0.0000,
"Dom_Fee_Rate": 0.0000,
"Non_Dom_Fee_Rate": 0.0000,
"PIN": "0",
"SendingAttemptCount": 0
}
The above example does not include all available fields as not all fields are required for a message. For example, in the above message, the Network_Replacement_Amounts_DE95 field is not required as part of the message.
Authorisation Response
Below is an example of HTTP response to the above Authorisation request message.
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{
"MerchantAdvice":"",
"Responsestatus":"00",
"CurBalance":0,
"AvlBalance":100,
"Acknowledgement":"1",
"LoadAmount":50,
"Bill_Amt_Approved":0,
"Update_Balance":1,
"New_Balance_Sequence_Exthost":200,
"CVV2_Result":"M",
"CurBalance_GPS_STIP":0,
"AvlBalance_GPS_STIP":100
}3.1.2 Example Authorisation Reversal
Authorisation Reversal Request
Below is an example of the HTTP POST body data for an Authorisation Reversal message.
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{
"AuthenticationAmountUpper": 0.0000,
"FxProviderCardholderRate": 0.0,
"DCC_Indicator": 0,
"multi_part_txn": 0,
"multi_part_txn_final": 0,
"auth_type": "0",
"auth_expdate_utc": "2022-12-26 07:27:14.180",
"Matching_Txn_ID": 0,
"Reason_ID": 0,
"Merch_Name": "Travel Like A Pro",
"Merch_Country": "HRV",
"Merch_Tax_id": "0",
"GPS_POS_Capability": "0011000010000000000000000000000000100000000001016",
"GPS_POS_Data": "0168000800000Nx000",
"Response_Source_Why": 0,
"Message_Why": 0,
"traceid_lifecycle": "BNET-20221219-MC 004279",
"PaymentToken_id": 0,
"PaymentToken_creatorStatus": " ",
"PaymentToken_lang": " ",
"PaymentToken_activationMethod": 0,
"Acquirer_id_DE32": "0852729540",
"ActBal": 3535.47,
"Amt_Tran_Fee_DE28": "D00000010",
"Auth_Code_DE38": "183715",
"Avl_Bal": 3401.72,
"Bill_Amt": 10.00,
"Bill_Ccy": "826",
"BlkAmt": -133.75,
"FX_Pad": 0.00,
"Fee_Fixed": 0.50,
"Fee_Rate": 0.00,
"MCC_Code": "4111",
"MCC_Desc": "Commuter Transport, Ferries",
"MCC_Pad": 0.00,
"Merch_ID_DE42": "4111 ",
"Merch_Name_DE43": "Travel Like A Pro HRV",
"Note": "Testing User - Dhanya.B Date - 19/12/2022 16:18:08 BillAmt - 10.00 Location - Travel Like A Pro ",
"POS_Data_DE22": "010",
"POS_Data_DE61": "2000000006000191",
"POS_Termnl_DE41": " ",
"POS_Time_DE12": "072714",
"Proc_Code": "000000",
"Resp_Code_DE39": "00",
"Ret_Ref_No_DE37": "235303504279",
"Settle_Amt": 10.00,
"Settle_Ccy": "826",
"Status_Code": "00",
"Token": 107612119,
"Trans_link": "221219004279729540",
"Txn_Amt": 10.0000,
"Txn_CCy": "826",
"Txn_Ctry": "HRV",
"Txn_Desc": "Travel Like A Pro HRV",
"Txn_GPS_Date": "2022-12-19 10:48:03.580",
"TXn_ID": 6155806244,
"Txn_Stat_Code": "A",
"TXN_Time_DE07": "1219072714",
"Txn_Type": "D",
"Authorised_by_GPS": "N",
"CU_Group": "CRN-CU-001",
"InstCode": "TEST",
"ProductID": 99884,
"SubBIN": 52729540,
"TLogIDOrg": 0,
"VL_Group": "CRN-VL-100",
"Dom_Fee_Fixed": 0.50,
"Non_Dom_Fee_Fixed": 0.00,
"Fx_Fee_Fixed": 0.00,
"Other_Fee_Amt": 0.00,
"Fx_Fee_Rate": 0.00,
"Dom_Fee_Rate": 0.00,
"Non_Dom_Fee_Rate": 0.00,
"SendingAttemptCount": 0
}
The above example does not include all available fields as not all fields are required for a message. For example, in the above message, the Network_Original_Data_Elements_DE90 field is not required as part of the message.
Authorisation Reversal Response
Below is an example of HTTP response to the above Authorisation Reversal message.
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{
"MerchantAdvice":"",
"Responsestatus":"00",
"CurBalance":0,
"AvlBalance":100,
"Acknowledgement":"1",
"LoadAmount":50,
"Bill_Amt_Approved":0,
"Update_Balance":1,
"New_Balance_Sequence_Exthost":200,
"CVV2_Result":"M",
"CurBalance_GPS_STIP":0,
"AvlBalance_GPS_STIP":100
}3.1.3 Example Financial Presentment
Financial Request
Below is an example of the HTTP POST body data for a financial request.
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{
"ClearingFileID": "T112.0012209120005206900000025 ",
"FxProviderCardholderRate": 0.0,
"Network_TxnAmt_To_BillAmt_Rate": "1000000:6",
"POS_Date_DE13": "20220912",
"Traceid_Message": "BNET-20220912-MC 694327",
"Network_Issuer_Settle_ID": "52069000",
"Network_Transaction_ID": " MC 6943270912 ",
"Acquirer_Forwarder_ID": "500000",
"Clearing_Process_Date": "2022-09-12",
"Settlement_Date": "2022-09-12",
"DCC_Indicator": 0,
"multi_part_txn": 0,
"multi_part_txn_final": 0,
"multi_part_number": 0,
"multi_part_count": 0,
"SettlementIndicator": "0",
"auth_type": "0",
"Matching_Txn_ID": 6153911205,
"Reason_ID": 0,
"Merch_Name": "E-Comm Merchant",
"Merch_City": "CITY",
"Merch_Country": "GBR",
"Merch_Tel": "5032277600 ",
"Merch_Tax_id": "0",
"GPS_POS_Capability": "0010000000000000000000000000000000100000000990016",
"GPS_POS_Data": "51V8000800000Nx000",
"Acquirer_Reference_Data_031": "15000005123000006943271",
"Response_Source_Why": 0,
"Message_Why": 0,
"traceid_lifecycle": "BNET-20220912-MC 694327",
"PaymentToken_id": 0,
"PaymentToken_activationMethod": 0,
"Acquirer_id_DE32": "500000",
"ActBal": 0.00,
"Auth_Code_DE38": "187239",
"Avl_Bal": 0.00,
"Bill_Amt": 50.00,
"Bill_Ccy": "124",
"BlkAmt": 0.00,
"FX_Pad": 0.00,
"Fee_Fixed": 0.00,
"Fee_Rate": 0.00,
"MCC_Code": "5734",
"MCC_Desc": "Computer Software Stores",
"MCC_Pad": 0.00,
"Merch_ID_DE42": "ECOMM ",
"Merch_Name_DE43": "E-Comm Merchant \\\\CITY \\ GBR",
"Note": " Refund matching credit auth",
"POS_Data_DE22": "090951S99001",
"POS_Termnl_DE41": "11223344",
"POS_Time_DE12": "220912184813",
"Proc_Code": "200000",
"Ret_Ref_No_DE37": "225504594327",
"Settle_Amt": 50.00,
"Settle_Ccy": "124",
"Status_Code": "00",
"Token": 107916050,
"Trans_link": "220912694327500000",
"Txn_Amt": 50.0000,
"Txn_CCy": "124",
"Txn_Ctry": "GBR",
"Txn_Desc": "E-Comm Merchant \\\\CITY \\ GBR",
"Txn_GPS_Date": "2022-09-12 19:49:25.513",
"TXn_ID": 6153911206,
"Txn_Stat_Code": "S",
"Txn_Type": "P",
"Additional_Data_DE48": "0002003MRG0003003MRG0023003CT60052003 014800412420158030MCC10106017322091201 NNNNNN0159067 1521544702350 1US00000001N22091201220912010165001M01700165032277600",
"Authorised_by_GPS": "N",
"CU_Group": "PMT-CU-001",
"InstCode": "PMT",
"MTID": "1240",
"ProductID": 1234,
"SubBIN": 52111111,
"TLogIDOrg": 0,
"VL_Group": "PMT-VL-001",
"Dom_Fee_Fixed": 0.00,
"Non_Dom_Fee_Fixed": 0.00,
"Fx_Fee_Fixed": 0.00,
"Other_Fee_Amt": 0.00,
"Fx_Fee_Rate": 0.00,
"Dom_Fee_Rate": 0.00,
"Non_Dom_Fee_Rate": 0.00,
"SendingAttemptCount": 0
}Financial Response
Below is an example of HTTP response to the above Financial Request message.
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{
"Acknowledgement": "1",
"Responsestatus": "00"
}3.1.4 Example Financial Reversal (Visa)
Below is an example of the HTTP POST body data for a financial reversal (from Visa, MTID= 27 and Txn_Type = E) used for a Cash Withdrawal/disbursement reversal.
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{
"Network_TxnAmt_To_BillAmt_Rate": "1000000:6",
"POS_Date_DE13": "20220830",
"Traceid_Message": "VIS1-20220830-002242207570295",
"Network_Issuer_Settle_ID": "099999",
"Network_Transaction_ID": "002242207570295",
"Clearing_Process_Date": "2022-08-30",
"Settlement_Date": "2022-08-30",
"DCC_Indicator": 0,
"multi_part_txn": 0,
"multi_part_txn_final": 0,
"multi_part_number": 1,
"multi_part_count": 1,
"SettlementIndicator": "0",
"auth_type": "0",
"Matching_Txn_ID": 0,
"Reason_ID": 0,
"Merch_Name": "BNP ATM",
"Merch_Postcode": "00000",
"Merch_Country": "CYP",
"Merch_Tel": " ",
"Merch_Net_id": " ",
"Merch_Tax_id": "0",
"GPS_POS_Capability": "000000010000000000000001000000000000000000029301A",
"GPS_POS_Data": "0151800380000 x000",
"Acquirer_Reference_Data_031": "77882202242000000000011",
"Response_Source_Why": 0,
"Message_Why": 0,
"traceid_lifecycle": "VIS1-20220830-002242207570295",
"PaymentToken_id": 0,
"PaymentToken_activationMethod": 0,
"Acquirer_id_DE32": "00000001",
"ActBal": 848.99,
"Additional_Amt_DE54": "0040826D000000000000",
"Auth_Code_DE38": "146367",
"Avl_Bal": 792.79,
"Bill_Amt": 1.00,
"Bill_Ccy": "826",
"BlkAmt": -56.20,
"FX_Pad": 0.00,
"Fee_Fixed": 1.00,
"Fee_Rate": 0.00,
"MCC_Code": "6011",
"MCC_Desc": "Automated Cash Disburse",
"MCC_Pad": 0.00,
"Merch_ID_DE42": "6011 ",
"Merch_Name_DE43": "BNP ATM\\\\\\00000 CYP",
"POS_Data_DE22": "05 ",
"POS_Termnl_DE41": " ",
"POS_Time_DE12": "220830000000",
"Proc_Code": "010000",
"Settle_Amt": 1.00,
"Settle_Ccy": "826",
"Status_Code": "00",
"Token": 100029683,
"Trans_link": "220830001921788220",
"Txn_Amt": 1.0000,
"Txn_CCy": "826",
"Txn_Ctry": "CYP",
"Txn_Desc": "BNP ATM\\\\\\00000 CYP",
"Txn_GPS_Date": "2022-08-30 15:12:04.157",
"TXn_ID": 6153544584,
"Txn_Stat_Code": "S",
"Txn_Type": "E",
"Authorised_by_GPS": "N",
"CU_Group": "PMTPAYROLL",
"InstCode": "PMT",
"MTID": "27 ",
"ProductID": 1234,
"SubBIN": 43111111,
"TLogIDOrg": 0,
"VL_Group": "PMT CO1",
"Dom_Fee_Fixed": 1.00,
"Non_Dom_Fee_Fixed": 0.00,
"Fx_Fee_Fixed": 0.00,
"Other_Fee_Amt": 0.00,
"Fx_Fee_Rate": 0.00,
"Dom_Fee_Rate": 0.00,
"Non_Dom_Fee_Rate": 0.00,
"SendingAttemptCount": 0
}Response
Below is an example of HTTP response to the above Financial Reversal message.
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{
"Responsestatus":"00",
"CurBalance":0,
"AvlBalance":100,
"Acknowledgement":"1",
"LoadAmount":50,
"Bill_Amt_Approved":0,
"Update_Balance":1,
"New_Balance_Sequence_Exthost":200,
"CVV2_Result":"M",
"CurBalance_GPS_STIP":0,
"AvlBalance_GPS_STIP":100
}3.1.5 Financial Reversal (Mastercard)
Below is an example of the HTTP POST body data for a financial reversal (MTID = 1240 and Txn_Type = E).
A financial reversal occurs when the acquirer cancels all or part of a prior transaction (which may be a purchase, refund, cashback, cash, PIN change, or any other transaction type).
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{
"ClearingFileID": "T112.0012402020000002032601101 ",
"FxProviderCardholderRate": 0.0,
"Network_TxnAmt_To_BillAmt_Rate": "1000000:6",
"POS_Date_DE13": "20240131",
"Traceid_Message": "BNET-20240131-MDW2YHECL",
"Network_Issuer_Settle_ID": "021075",
"Network_Transaction_ID": " MDW2YHECL0131 ",
"Acquirer_Forwarder_ID": "032208",
"Currency_Code_Fee": "978",
"Currency_Code_Fee_Settlement": "978",
"Interchange_Amount_Fee": 0.009200,
"Interchange_Amount_Fee_Settlement": 0.009200,
"Clearing_Process_Date": "2024-02-02",
"Settlement_Date": "2024-02-02",
"DCC_Indicator": 0,
"multi_part_txn": 0,
"multi_part_txn_final": 0,
"multi_part_number": 0,
"multi_part_count": 0,
"SettlementIndicator": "0",
"auth_type": "0",
"Matching_Txn_ID": 0,
"Reason_ID": 0,
"Merch_Name": "COFFEE ISLAND",
"Merch_Street": "ALKINOOU 2",
"Merch_City": "DAFNI",
"Merch_Region": "GRC",
"Merch_Postcode": "17235",
"Merch_Country": "GRC",
"Merch_Tel": "2109766611 ",
"Merch_Tax_id": "0",
"GPS_POS_Capability": "000000000000000000000001000100000000000000911341R",
"GPS_POS_Data": "0175000400000Nx000",
"Acquirer_Reference_Data_031": "77673704031974724943402",
"Response_Source_Why": 0,
"Message_Why": 0,
"traceid_lifecycle": "BNET-20240131-MDW2YHECL",
"PaymentToken_id": 61531240,
"PaymentToken_activationMethod": 0,
"ActBal": 0.0000,
"Auth_Code_DE38": "150683",
"Avl_Bal": 0.0000,
"Bill_Amt": 4.6000,
"Bill_Ccy": "978",
"BlkAmt": 0.0000,
"FX_Pad": 0.0000,
"Fee_Fixed": 0.0000,
"Fee_Rate": 0.0000,
"MCC_Code": "5812",
"MCC_Desc": "Eating Places, Restaurants",
"MCC_Pad": 0.0000,
"Merch_ID_DE42": "5053986 ",
"Merch_Name_DE43": "COFFEE ISLAND\\ALKINOOU 2\\DAFNI\\17235 GRCGRC",
"POS_Data_DE22": "M19101M54341",
"POS_Termnl_DE41": "67500288",
"POS_Time_DE12": "240131103058",
"Proc_Code": "000000",
"Ret_Ref_No_DE37": "403102239336",
"Settle_Amt": 4.6000,
"Settle_Ccy": "978",
"Status_Code": "00",
"Token": 256713034,
"Trans_link": "1240131943402767370",
"Txn_Amt": 4.6000,
"Txn_CCy": "978",
"Txn_Ctry": "GRC",
"Txn_Desc": "COFFEE ISLAND\\ALKINOOU 2\\DAFNI\\17235 GRCGRC",
"Txn_GPS_Date": "2024-02-02 01:36:04.133",
"TXn_ID": 13917006447,
"Txn_Stat_Code": "S",
"Txn_Type": "E",
"Additional_Data_DE48": "0001018O 53721433999650260002003MDW0003003MDW001500724013010023003POI0025007R2402010044002 I005800200005901150183038325014603600290197800000000000097800000000000001470480029019780000000000000092009780000000000000092000148004978201490069780000158031DMC4300001L424020201 NNNNNNN015906721075 14097113 1EUD2000008N24020201240202010165030M 01700162109766611 0177002N 019100120207003337",
"Authorised_by_GPS": "N",
"CU_Group": "PMT-CU-002",
"InstCode": "PMT",
"MTID": "1240",
"ProductID": 6496,
"SubBIN": 12345678,
"TLogIDOrg": 0,
"VL_Group": "PMT-VL-004",
"Dom_Fee_Fixed": 0.00,
"Non_Dom_Fee_Fixed": 0.00,
"Fx_Fee_Fixed": 0.00,
"Other_Fee_Amt": 0.00,
"Fx_Fee_Rate": 0.00,
"Dom_Fee_Rate": 0.00,
"Non_Dom_Fee_Rate": 0.00,
"SendingAttemptCount": 0
}Financial Reversal Response
Below is an example of HTTP response to the above Financial Notification message.
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{"Acknowledgement":"1"}3.1.6 Example Visa Authorisation Advice
Below is an example of the HTTP POST body data for a Visa authorisation advice.
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{
"FxProviderCardholderRate": 0.0,
"POS_Date_DE13": "00000000",
"Visa_ResponseInfo_DE44": "020000000000",
"Visa_STIP_Reason_Code": "9020",
"Network_Transaction_ID": "0002353127640022",
"DCC_Indicator": 0,
"multi_part_txn": 0,
"multi_part_txn_final": 0,
"auth_type": "0",
"auth_expdate_utc": "2022-12-27 07:44:44.137",
"Matching_Txn_ID": 0,
"Reason_ID": 0,
"Merch_Name": "Passenger Railway - SCAEx",
"Merch_Country": "CYP",
"Merch_Tax_id": "0",
"GPS_POS_Capability": "00001001000000000000000100010010001000000001130C0",
"GPS_POS_Data": "9968000800000Nx000",
"Response_Source": "VISA-STIP",
"Response_Source_Why": 5,
"Message_Source": "VISA-STIP",
"Message_Why": 5,
"traceid_lifecycle": "VIS1-20221219-002353127640022",
"PaymentToken_id": 0,
"PaymentToken_creatorStatus": " ",
"PaymentToken_lang": " ",
"PaymentToken_activationMethod": 0,
"Acquirer_id_DE32": "0844622180",
"ActBal": 10001.00,
"Avl_Bal": 10001.00,
"Bill_Amt": 1.00,
"Bill_Ccy": "826",
"BlkAmt": 0.00,
"FX_Pad": 0.00,
"Fee_Fixed": 0.00,
"Fee_Rate": 0.00,
"MCC_Code": "4112",
"MCC_Pad": 0.00,
"Merch_ID_DE42": "4112 ",
"Merch_Name_DE43": "Passenger Railway - SCAEx CY",
"POS_Data_DE22": "0110",
"Proc_Code": "000000",
"Resp_Code_DE39": "00",
"Ret_Ref_No_DE37": "235303502519",
"Settle_Amt": 0.00,
"Status_Code": "00",
"Token": 107419774,
"Trans_link": "221219002519622180",
"Txn_Amt": 1.0000,
"Txn_CCy": "826",
"Txn_Ctry": "CYP",
"Txn_Desc": "Passenger Railway - SCAEx CY",
"Txn_GPS_Date": "2022-12-19 07:44:44.203",
"TXn_ID": 6155805963,
"Txn_Stat_Code": "A",
"TXN_Time_DE07": "1219074444",
"Txn_Type": "J",
"Authorised_by_GPS": "N",
"InstCode": "TEST",
"MTID": "0120",
"ProductID": 99883,
"SubBIN": 44622180,
"TLogIDOrg": 0,
"Dom_Fee_Fixed": 0.0000,
"Non_Dom_Fee_Fixed": 0.0000,
"Fx_Fee_Fixed": 0.0000,
"Other_Fee_Amt": 0.0000,
"Fx_Fee_Rate": 0.0000,
"Dom_Fee_Rate": 0.0000,
"Non_Dom_Fee_Rate": 0.0000,
"SendingAttemptCount": 0
}Response
Below is an example of HTTP response to the above Visa authorisation advice message.
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{
"MerchantAdvice":"",
"Responsestatus":"00",
"CurBalance":0,
"AvlBalance":100,
"Acknowledgement":"1",
"LoadAmount":50,
"Bill_Amt_Approved":0,
"Update_Balance":1,
"New_Balance_Sequence_Exthost":200,
"CVV2_Result":"M",
"CurBalance_GPS_STIP":0,
"AvlBalance_GPS_STIP":100
}3.1.7 Example Mastercard Authorisation Advice
Below is an example of the HTTP POST body data for a Mastercard authorisation advice.
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{
"FxProviderCardholderRate": 0.0,
"Network_TxnAmt_To_BillAmt_Rate": "1000000:6",
"POS_Date_DE13": "20221219",
"Traceid_Message": "BNET-20221219-MC 004280",
"Network_Currency_Conversion_Date": "2022-12-19",
"Mastercard_AdviceReasonCode_DE60": "4020000",
"DCC_Indicator": 0,
"multi_part_txn": 0,
"multi_part_txn_final": 0,
"auth_type": "0",
"auth_expdate_utc": "2022-12-26 07:39:24.520",
"Matching_Txn_ID": 0,
"Reason_ID": 0,
"Merch_Name": "Travel Like A Pro",
"Merch_Country": "HRV",
"Merch_Tax_id": "0",
"GPS_POS_Capability": "0011000010000000000000000000000000100000000001016",
"GPS_POS_Data": "0168000800000Nx000",
"Response_Source_Why": 0,
"Message_Why": 0,
"traceid_lifecycle": "BNET-20221219-MC 004280",
"PaymentToken_id": 0,
"PaymentToken_creatorStatus": " ",
"PaymentToken_lang": " ",
"PaymentToken_activationMethod": 0,
"Acquirer_id_DE32": "0852729540",
"ActBal": 3535.47,
"Amt_Tran_Fee_DE28": "D00000010",
"Auth_Code_DE38": "183716",
"Avl_Bal": 3392.72,
"Bill_Amt": 10.00,
"Bill_Ccy": "826",
"BlkAmt": -142.75,
"FX_Pad": 0.00,
"Fee_Fixed": 0.00,
"Fee_Rate": 0.00,
"MCC_Code": "4111",
"MCC_Pad": 0.00,
"Merch_ID_DE42": "4111",
"Merch_Name_DE43": "Travel Like A Pro HRV",
"POS_Data_DE22": "010",
"POS_Data_DE61": "0162000000006000191",
"POS_Time_DE12": "072725",
"Proc_Code": "000000",
"Resp_Code_DE39": "00",
"Ret_Ref_No_DE37": "235303504280",
"Settle_Amt": 0.00,
"Status_Code": "00",
"Token": 107612119,
"Trans_link": "221219004280729540",
"Txn_Amt": 10.0000,
"Txn_CCy": "826",
"Txn_Ctry": "HRV",
"Txn_Desc": "Travel Like A Pro HRV",
"Txn_GPS_Date": "2022-12-19 07:39:24.607",
"TXn_ID": 6155805959,
"Txn_Stat_Code": "A",
"TXN_Time_DE07": "1219072725",
"Txn_Type": "J",
"Additional_Data_DE48": "001R",
"Authorised_by_GPS": "N",
"InstCode": "TEST",
"MTID": "0120",
"ProductID": 99884,
"SubBIN": 52729540,
"TLogIDOrg": 0,
"Dom_Fee_Fixed": 0.0000,
"Non_Dom_Fee_Fixed": 0.0000,
"Fx_Fee_Fixed": 0.0000,
"Other_Fee_Amt": 0.0000,
"Fx_Fee_Rate": 0.0000,
"Dom_Fee_Rate": 0.0000,
"Non_Dom_Fee_Rate": 0.0000,
"SendingAttemptCount": 0
}Response
Below is an example of HTTP response to the above Mastercard authorisation advice message.
Copy
{
"MerchantAdvice":"",
"Responsestatus":"00",
"CurBalance":0,
"AvlBalance":100,
"Acknowledgement":"1",
"LoadAmount":50,
"Bill_Amt_Approved":0,
"Update_Balance":1,
"New_Balance_Sequence_Exthost":200,
"CVV2_Result":"M",
"CurBalance_GPS_STIP":0,
"AvlBalance_GPS_STIP":100
}3.1.8 Example Balance Enquiry Message
Below is an example of the HTTP POST body data for a balance enquiry request. A balance enquiry provides details of changes to a card’s account balance. Card balance adjustments are made using Thredd's API (web services or Cards API) and are relevant to program managers on EHI Operating modes where Thredd maintains a record of the card balance.
Copy
{
"Acquirer_Country": "GBR",
"FxProviderCardholderRate": 0.0,
"Network_TxnAmt_To_BillAmt_Rate": "1000000:6",
"POS_Date_DE13": "20240925",
"Traceid_Message": "BNET-20240924-MPB4IFV1M",
"Network_Currency_Conversion_Date": "2024-09-24",
"Network_Transaction_ID": "MPB4IFV1M0924",
"Acquirer_Forwarder_ID": "200148",
"DCC_Indicator": 0,
"multi_part_txn": 0,
"multi_part_txn_final": 0,
"auth_type": "0",
"auth_expdate_utc": "2024-10-01 23:27:09.712",
"Merch_Name": "HFX ECCLES CHURCH ST",
"Merch_City": "MANCHESTER",
"Merch_Postcode": "M30 0DA",
"Merch_Country": "GBR",
"GPS_POS_Capability": "00001001000000000000000100000010000000000012230CA",
"GPS_POS_Data": "0151000300000Nx0002110NU0NCUXXU",
"Response_Source_Why": 0,
"Message_Why": 0,
"traceid_lifecycle": "BNET-20240924-MPB4IFV1M",
"Balance_Sequence": 0,
"Balance_Sequence_Exthost": 0,
"ICC_System_Related_Data_DE55": "9F2608FF63FD5AD4CEDDF89F2701809F10120110A00003220000000000000000000000FF9F3704E4F0B2D09F3602009B950580000480009A032409259C01309F02060000000000005F2A020826820218009F1A0208269F34034203009F33036040208407A0000000041010",
"Acquirer_id_DE32": "06002309",
"ActBal": 0.0000,
"Auth_Code_DE38": "161883",
"Avl_Bal": 0.0000,
"Bill_Amt": 0.0000,
"Bill_Ccy": "826",
"BlkAmt": 0.0000,
"Cust_Ref": "A2",
"FX_Pad": 0.0000,
"Fee_Fixed": 0.0000,
"Fee_Rate": 0.0000,
"MCC_Code": "6011",
"MCC_Desc": "Automated Cash Disburse",
"MCC_Pad": 0.0000,
"Merch_ID_DE42": "LTS1",
"Merch_Name_DE43": "HFX ECCLES CHURCH ST MANCHESTER GBR",
"Note": "PSD2 Counter Reset",
"POS_Data_DE22": "051",
"POS_Data_DE61": "1010010000500826M30 0DA",
"POS_Termnl_DE41": "HA88EC11",
"POS_Time_DE12": "002709",
"Proc_Code": "300000",
"Resp_Code_DE39": "00",
"Ret_Ref_No_DE37": "20882 ",
"Settle_Amt": 0.0000,
"Settle_Ccy": "826",
"Status_Code": "00",
"Token": 358713475,
"Trans_link": "240925925631002309",
"Txn_Amt": 0.0000,
"Txn_CCy": "826",
"Txn_Ctry": "GBR",
"Txn_Desc": "HFX ECCLES CHURCH ST MANCHESTER GBR",
"Txn_GPS_Date": "2024-09-25 00:27:09.911",
"TXn_ID": 14890418727,
"Txn_Stat_Code": "A",
"TXN_Time_DE07": "0924232709",
"Txn_Type": "A",
"Additional_Data_DE48": "007Z8002TV",
"Authorised_by_GPS": "N",
"CU_Group": "PMT-CU-004",
"InstCode": "PMT",
"MTID": "0100",
"ProductID": 15455,
"SubBIN": 53908886,
"TLogIDOrg": 0,
"VL_Group": "PMT-VL-008",
"Dom_Fee_Fixed": 0.0000,
"Non_Dom_Fee_Fixed": 0.0000,
"Fx_Fee_Fixed": 0.0000,
"Other_Fee_Amt": 0.0000,
"Fx_Fee_Rate": 0.0000,
"Dom_Fee_Rate": 0.0000,
"Non_Dom_Fee_Rate": 0.0000,
"SendingAttemptCount": 0
}Message Response
Below is an example of HTTP response to the above balance enquiry message.
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{
"Acknowledgement":"1",
"Responsestatus":"00",
"CurBalance":2425.6300,
"AvlBalance":2125.6300
}3.1.9 Example ATM Cash Withdrawal Messages (Mastercard)
Example Authorisation Message
The example below shows a typical authorisation message of an ATM cash withdrawal for Mastercard.
Note that there is a value for Amt_Tran_Fee_DE28. This indicates that there is a transaction fee for the cash withdrawal as there is a value (D00000590),
Copy
{
"Acquirer_Country": "DEU",
"FxProviderCardholderRate": 0.0,
"Network_TxnAmt_To_BillAmt_Rate": "1121282:5",
"POS_Date_DE13": "2025-08-21",
"Traceid_Message": "BNET-20250821-*********",
"Network_Currency_Conversion_Date": "2025-08-20",
"Network_Transaction_ID": "MDW2*****0821",
"Acquirer_Forwarder_ID": "200123",
"DCC_Indicator": 0,
"multi_part_txn": 0,
"multi_part_txn_final": 0,
"auth_type": "F",
"auth_expdate_utc": "2025-08-22 05:34:17.926",
"Merch_Name": "M-Hbf. III",
"Merch_City": "Hauptbahnhof",
"Merch_Postcode": "60489",
"Merch_Country": "DEU",
"GPS_POS_Capability": "00001001000000000000000100000010000000000012130C1",
"GPS_POS_Data": "*******************************",
"Response_Source_Why": 0,
"Message_Why": 0,
"traceid_lifecycle": "BNET-20250821-*********",
"Balance_Sequence": 0,
"Balance_Sequence_Exthost": 0,
"ICC_System_Related_Data_DE55": "**********************************************************************************************************************************************************************************************************************************************************************************",
"Acquirer_id_DE32": "06010480",
"ActBal": 0.0000,
"Amt_Tran_Fee_DE28": "D00000590",
"Auth_Code_DE38": "60**05",
"Avl_Bal": 0.0000,
"Bill_Amt": -2308.7200,
"Bill_Ccy": "752",
"BlkAmt": 0.0000,
"FX_Pad": 0.0000,
"Fee_Fixed": 0.0000,
"Fee_Rate": 0.0000,
"MCC_Code": "6011",
"MCC_Desc": "Automated Cash Disburse",
"MCC_Pad": 0.0000,
"Merch_ID_DE42": "52410300",
"Merch_Name_DE43": "M-Hbf. III Hauptbahnhof DEU",
"Note": "PSD2 Counter Reset",
"POS_Data_DE22": "051",
"POS_Data_DE61": "100001000150128060489",
"POS_Termnl_DE41": "00002468",
"POS_Time_DE12": "073337",
"Proc_Code": "010000",
"Resp_Code_DE39": "00",
"Ret_Ref_No_DE37": "08******8158",
"Settle_Amt": 2308.7200,
"Settle_Ccy": "752",
"Status_Code": "00",
"Token": 14******4,
"Trans_link": "25082*******010480",
"Txn_Amt": 205.9000,
"Txn_CCy": "978",
"Txn_Ctry": "DEU",
"Txn_Desc": "M-Hbf. III Hauptbahnhof DEU",
"Txn_GPS_Date": "2025-08-21 06:34:18.011",
"TXn_ID": *****475865,
"Txn_Stat_Code": "A",
"TXN_Time_DE07": "0821053417",
"Txn_Type": "A",
"Additional_Data_DE48": "*******************",
"Authorised_by_GPS": "N",
"CU_Group": "***-**-***",
"InstCode": "***",
"MTID": "0100",
"ProductID": 1234,
"SubBIN": ********,
"TLogIDOrg": 0,
"VL_Group": "***-VL-***",
"Dom_Fee_Fixed": 0.0000,
"Non_Dom_Fee_Fixed": 0.0000,
"Fx_Fee_Fixed": 0.0000,
"Other_Fee_Amt": 0.0000,
"Fx_Fee_Rate": 0.0000,
"Dom_Fee_Rate": 0.0000,
"Non_Dom_Fee_Rate": 0.0000,
"SendingAttemptCount": 0
}
Response
Example response from the external host system:
Copy
{
"Responsestatus":"00",
"Acknowledgement":"1"
}
Example Presentment Message
The example below shows a presentment message for an ATM cash withdrawal for Mastercard.
Copy
{
"ClearingFileID": "T112.0012508220000002032602201 ",
"FxProviderCardholderRate": 0.0,
"Network_TxnAmt_To_BillAmt_Rate": "1121282:5",
"POS_Date_DE13": "20250821",
"Traceid_Message": "BNET-20250821-MDW2IPTG0",
"Network_Issuer_Settle_ID": "021075",
"Network_Transaction_ID": " MDW2IPTG00821 ",
"Acquirer_Forwarder_ID": "010480",
"Currency_Code_Fee": "978",
"Currency_Code_Fee_Settlement": "978",
"Interchange_Amount_Fee": 0.000000,
"Interchange_Amount_Fee_Settlement": 0.000000,
"Clearing_Process_Date": "2025-08-22",
"Settlement_Date": "2025-08-22",
"DCC_Indicator": 0,
"multi_part_txn": 0,
"multi_part_txn_final": 0,
"multi_part_number": 0,
"multi_part_count": 0,
"SettlementIndicator": "0",
"auth_type": "0",
"Matching_Txn_ID": 16386475865,
"Reason_ID": 0,
"Merch_Name": "REISEBANK FRANKFURT AT",
"Merch_City": "MUENCHEN",
"Merch_Region": "DEU",
"Merch_Postcode": "60528",
"Merch_Country": "DEU",
"Merch_Tax_id": "0",
"GPS_POS_Capability": "000000010000000000000001000001000000000000121346A",
"GPS_POS_Data": "0151000100000Nx000",
"Acquirer_Reference_Data_031": "75506185234281662061591",
"Response_Source_Why": 0,
"Message_Why": 0,
"traceid_lifecycle": "BNET-20250821-MDW2IPTG0",
"PaymentToken_id": 0,
"PaymentToken_activationMethod": 0,
"ActBal": 0.0000,
"Additional_Amt_DE54": "0042978D000000000590",
"Auth_Code_DE38": "606805",
"Avl_Bal": 0.0000,
"Bill_Amt": -2308.7200,
"Bill_Ccy": "752",
"BlkAmt": 0.0000,
"FX_Pad": 0.0000,
"Fee_Fixed": 0.0000,
"Fee_Rate": 0.0000,
"MCC_Code": "6011",
"MCC_Desc": "Automated Cash Disburse",
"MCC_Pad": 0.0000,
"Merch_ID_DE42": "4052245/4052245",
"Merch_Name_DE43": "REISEBANK FRANKFURT AT\\\\MUENCHEN \\60528 DEUDEU",
"POS_Data_DE22": "511201C11346",
"POS_Termnl_DE41": "00002468",
"POS_Time_DE12": "250821073337",
"Proc_Code": "010000",
"Ret_Ref_No_DE37": "082107058158",
"Settle_Amt": -205.9000,
"Settle_Ccy": "978",
"Status_Code": "00",
"Token": 143654784,
"Trans_link": "250821882458010480",
"Txn_Amt": 205.9000,
"Txn_CCy": "978",
"Txn_Ctry": "DEU",
"Txn_Desc": "REISEBANK FRANKFURT AT\\\\MUENCHEN \\60528 DEUDEU",
"Txn_GPS_Date": "2025-08-22 04:15:05.103",
"TXn_ID": 16390740846,
"Txn_Stat_Code": "S",
"Txn_Type": "P",
"Additional_Data_DE48": "0002003MDW0003003MDW001500725082010023003ATM014603600190197800000000000097800000000000001470480019019780000000000000000009780000000000000000000148008978275220158031DMC30500125625082202 N2NNNNN015906721075 14097113 1EUD2000008N25082202250822010165001M0177002N 01910012",
"Authorised_by_GPS": "N",
"CU_Group": "CRV-CU-002",
"InstCode": "CRV",
"MTID": "1240",
"ProductID": 6540,
"SubBIN": 55744496,
"TLogIDOrg": 0,
"VL_Group": "CRV-VL-182",
"Dom_Fee_Fixed": 0.00,
"Non_Dom_Fee_Fixed": 0.00,
"Fx_Fee_Fixed": 0.00,
"Other_Fee_Amt": 0.00,
"Fx_Fee_Rate": 0.00,
"Dom_Fee_Rate": 0.00,
"Non_Dom_Fee_Rate": 0.00,
"SendingAttemptCount": 0
}
Response
Example response from the external host system:
Copy
{"Acknowledgement":"1"}3.1.10 Example Tokenisation Messages
Example EHI TAR (330000) Message
The example below shows a typical EHI 0100 authorisation message for a Token Authorisation Request (TAR) in a JSON format.
Copy
{
"SchemeTransactionIdentifier": "BNETF64",
"TokenUniqueReference": "DM4MMC1PT0000000be3ec16ef999999ab7d4b47da4456277",
"PaymentTokenPan": "5372403458767765",
"PaymentToken_PanSource": "F",
"Network_Fraud_Data": "00199991",
"FxProviderCardholderRate": 0.000000000,
"Network_TxnAmt_To_BillAmt_Rate": "7849290:7",
"POS_Date_DE13": "00000000",
"Traceid_Message": "BNET-20240604-MDWWKZ1AT",
"Network_Currency_Conversion_Date": "2024-06-04",
"Network_Transaction_ID": "MDWWKZ1AT0604",
"DCC_Indicator": 0,
"multi_part_txn": 0,
"multi_part_txn_final": 0,
"auth_type": "0",
"auth_expdate_utc": "2024-06-12 01:00:01.307",
"Matching_Txn_ID": 0,
"Reason_ID": 0,
"Merch_Name": "Klarna-EU",
"Merch_City": "St. Louis",
"Merch_Postcode": "63368",
"Merch_Country": "USA",
"Merch_Tax_id": "0",
"GPS_POS_Capability": "0011000010000000000000000000000000100000000230010",
"GPS_POS_Data": "5018000800000Nx000",
"Response_Source_Why": 0,
"Message_Why": 0,
"traceid_lifecycle": "BNET-20240604-MDWWKZ1AT",
"PaymentToken_id": 0,
"PaymentToken_creatorStatus": "N",
"PaymentToken_wallet": "MRCHTOKEN",
"PaymentToken_lang": " ",
"PaymentToken_activationMethod": 0,
"Acquirer_id_DE32": "06015611",
"ActBal": 0.00,
"Auth_Code_DE38": "117574",
"Avl_Bal": 0.00,
"Bill_Amt": 0.00,
"Bill_Ccy": "826",
"BlkAmt": 0.00,
"Cust_Ref": "49538776",
"FX_Pad": 0.00,
"Fee_Fixed": 0.00,
"Fee_Rate": 0.00,
"MCC_Code": "5969",
"MCC_Desc": "Direct Marketing - Other",
"MCC_Pad": 0.00,
"Merch_ID_DE42": "CARD ACCPT IDC",
"Merch_Name_DE43": "Klarna-EU St. Louis USA",
"Note": "DR: Declined due to Card Status: Card Destroyed (Original status 83, changed to 05) ",
"POS_Data_DE22": "010",
"POS_Data_DE61": "102510900000084063368",
"Proc_Code": "330000",
"Resp_Code_DE39": "57",
"Settle_Amt": 0.00,
"Settle_Ccy": "826",
"Status_Code": "83",
"Token": 138602839,
"Trans_link": "240605048358015611",
"Txn_Amt": 0.0000,
"Txn_CCy": "840",
"Txn_Ctry": "USA",
"Txn_Desc": "Klarna-EU St. Louis USA",
"Txn_GPS_Date": "2024-06-05 02:00:01.410",
"TXn_ID": 14419002829,
"Txn_Stat_Code": "I",
"TXN_Time_DE07": "0605010001",
"Txn_Type": "A",
"Additional_Data_DE48": "063T260332733260101H06115019291999808020375130103001020291710418C ",
"Authorised_by_GPS": "Y",
"CU_Group": "PMT-CU-002",
"InstCode": "PMT",
"MTID": "0100",
"ProductID": 3004,
"SubBIN": 53759000,
"TLogIDOrg": 0,
"VL_Group": "PMT-VL-020",
"Dom_Fee_Fixed": 0.0000,
"Non_Dom_Fee_Fixed": 0.0000,
"Fx_Fee_Fixed": 0.0000,
"Other_Fee_Amt": 0.0000,
"Fx_Fee_Rate": 0.0000,
"Dom_Fee_Rate": 0.0000,
"Non_Dom_Fee_Rate": 0.0000,
"Additional_Data_DE124": "195TAD00162036556451 1 C",
"SendingAttemptCount": 0
}Response
Example response from the external host system:
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{"Acknowledgement":"1"}ACN (340000) Message
Copy
{
"SchemeTransactionIdentifier": "BNETF64",
"TokenUniqueReference": "DM4MMC1DE0000000cac6e366341d49819f38090c57f15677",
"PaymentTokenPan": "5372403458767765",
"Network_Fraud_Data": "00199991 ",
"FxProviderCardholderRate": 0.0,
"Network_TxnAmt_To_BillAmt_Rate": "7878970:7",
"POS_Date_DE13": "00000000",
"Traceid_Message": "BNET-20240603-BPD83TR98",
"Network_Currency_Conversion_Date": "2024-06-03",
"Network_Transaction_ID": "BPD83TR980603",
"DCC_Indicator": 0,
"multi_part_txn": 0,
"multi_part_txn_final": 0,
"auth_type": "0",
"auth_expdate_utc": "2024-06-11 02:37:56.380",
"Merch_Name": "APPLE PAY",
"Merch_City": "St. Louis",
"Merch_Postcode": "63368",
"Merch_Country": "USA",
"GPS_POS_Capability": "0011000010000000000000000000000000100000000230010",
"GPS_POS_Data": "5018000800000Nx000NNNNNM0NUUXXU",
"Response_Source_Why": 0,
"Message_Why": 0,
"traceid_lifecycle": "BNET-20240603-BPD83TR98",
"Balance_Sequence": 0,
"Balance_Sequence_Exthost": 0,
"PaymentToken_id": 72322899,
"PaymentToken_creator": "MC-MDES",
"PaymentToken_type": "SE",
"PaymentToken_status": "00",
"PaymentToken_creatorStatus": "N",
"PaymentToken_wallet": "APPLE",
"PaymentToken_deviceType": "M",
"PaymentToken_lang": " ",
"PaymentToken_deviceIp": "4E916C0C",
"PaymentToken_deviceId": "01234567891790022199036150316380EEB395872B0AC6ED",
"PaymentToken_activationCode": "169961",
"PaymentToken_activationExpiry": "2024-06-04 05:37:00.000",
"PaymentToken_activationMethodData": "+447880646031",
"PaymentToken_activationMethod": 1,
"Acquirer_id_DE32": "06015611",
"ActBal": 0.0000,
"Auth_Code_DE38": "152085",
"Avl_Bal": 0.0000,
"Bill_Amt": 0.0000,
"Bill_Ccy": "826",
"BlkAmt": 0.0000,
"FX_Pad": 0.0000,
"Fee_Fixed": 0.0000,
"Fee_Rate": 0.0000,
"MCC_Code": "5969",
"MCC_Desc": "Direct Marketing - Other",
"MCC_Pad": 0.0000,
"Merch_ID_DE42": "CARD ACCPT IDC",
"Merch_Name_DE43": "APPLE PAY St. Louis USA",
"POS_Data_DE22": "010",
"POS_Data_DE61": "102510900000084063368",
"Proc_Code": "340000",
"Resp_Code_DE39": "00",
"Settle_Amt": 0.0000,
"Settle_Ccy": "826",
"Status_Code": "00",
"Token": 335635281,
"Trans_link": "240604612291015611",
"Txn_Amt": 0.0000,
"Txn_CCy": "840",
"Txn_Ctry": "USA",
"Txn_Desc": "APPLE PAY St. Louis USA",
"Txn_GPS_Date": "2024-06-04 03:37:56.518",
"TXn_ID": 14414319424,
"Txn_Stat_Code": "A",
"TXN_Time_DE07": "0604023756",
"Txn_Type": "J",
"Additional_Data_DE48": "063T230221260310333200101C06115011003027375130103001020291710418C ",
"Authorised_by_GPS": "N",
"CU_Group": "PMT-CU-001",
"InstCode": "PMT",
"MTID": "0120",
"ProductID": 4252,
"SubBIN": 51694000,
"TLogIDOrg": 0,
"VL_Group": "PMT-VL-001",
"Dom_Fee_Fixed": 0.0000,
"Non_Dom_Fee_Fixed": 0.0000,
"Fx_Fee_Fixed": 0.0000,
"Other_Fee_Amt": 0.0000,
"Fx_Fee_Rate": 0.0000,
"Dom_Fee_Rate": 0.0000,
"Non_Dom_Fee_Rate": 0.0000,
"Additional_Data_DE124": "048ACD0015151049206169961 24060405371#########6031",
"SendingAttemptCount": 0
}Response
Example response from the external host system:
Copy
{
"Responsestatus":"00",
"CurBalance":0.0,
"AvlBalance":0.0,
"Acknowledgement":1,
"LoadAmount":0.0,
"Bill_Amt_Approved":0.0,
"Update_Balance":0,
"New_Balance_Sequence_Exthost":0,
"CVV2_Result":"",
"AvlBalance_GPS_STIP":0.0,
"CurBalance_GPS_STIP":0.0
}TCN (350000) Message
Copy
{
"SchemeTransactionIdentifier": "BNETF64",
"TokenUniqueReference": "DM4MMC1DE0000000cac6e366341d49819f38090c57f15677",
"PaymentTokenPan": "5372403458767765",
"Network_Fraud_Data": "00199991 ",
"FxProviderCardholderRate": 0.0,
"Network_TxnAmt_To_BillAmt_Rate": "7878970:7",
"POS_Date_DE13": "00000000",
"Traceid_Message": "BNET-20240603-BPDR46YHK",
"Network_Currency_Conversion_Date": "2024-06-03",
"Network_Transaction_ID": "BPDR46YHK0603",
"DCC_Indicator": 0,
"multi_part_txn": 0,
"multi_part_txn_final": 0,
"auth_type": "0",
"auth_expdate_utc": "2024-06-11 01:01:20.030",
"Merch_Name": "APPLE PAY",
"Merch_City": "St. Louis",
"Merch_Postcode": "63368",
"Merch_Country": "USA",
"GPS_POS_Capability": "0011000010000000000000000000000000100000000230010",
"GPS_POS_Data": "5018000800000Nx000NNNNNM0NUUXXU",
"Response_Source_Why": 0,
"Message_Why": 0,
"traceid_lifecycle": "BNET-20240603-BPDR46YHK",
"Balance_Sequence": 0,
"Balance_Sequence_Exthost": 0,
"PaymentToken_id": 72322246,
"PaymentToken_creator": "MC-MDES",
"PaymentToken_expdate": "2027-07-31",
"PaymentToken_type": "SE",
"PaymentToken_status": "00",
"PaymentToken_creatorStatus": "A",
"PaymentToken_wallet": "APPLE",
"PaymentToken_deviceType": "M",
"PaymentToken_lang": " ",
"PaymentToken_deviceTelNum": "7181",
"PaymentToken_deviceIp": "97E3830C",
"PaymentToken_deviceId": "0123456789E5C80020103080645305102E616B5CB01EB3DD6",
"PaymentToken_deviceName": "Stephanie's phone (3",
"Acquirer_id_DE32": "06015611",
"ActBal": 0.0000,
"Auth_Code_DE38": "166647",
"Avl_Bal": 0.0000,
"Bill_Amt": 0.0000,
"Bill_Ccy": "826",
"BlkAmt": 0.0000,
"FX_Pad": 0.0000,
"Fee_Fixed": 0.0000,
"Fee_Rate": 0.0000,
"MCC_Code": "5969",
"MCC_Desc": "Direct Marketing - Other",
"MCC_Pad": 0.0000,
"Merch_ID_DE42": "CARD ACCPT IDC",
"Merch_Name_DE43": "APPLE PAY St. Louis USA",
"POS_Data_DE22": "010",
"POS_Data_DE61": "102510900000084063368",
"Proc_Code": "350000",
"Resp_Code_DE39": "00",
"Settle_Amt": 0.0000,
"Settle_Ccy": "826",
"Status_Code": "00",
"Token": 374414990,
"Trans_link": "240604229542015611",
"Txn_Amt": 0.0000,
"Txn_CCy": "840",
"Txn_Ctry": "USA",
"Txn_Desc": "APPLE PAY St. Louis USA",
"Txn_GPS_Date": "2024-06-04 02:01:20.142",
"TXn_ID": 14414251623,
"Txn_Stat_Code": "A",
"TXN_Time_DE07": "0604010119",
"Txn_Type": "J",
"Additional_Data_DE48": "097T230221260310333540101C021653724083642754730304270706115011003027308020575130103001020291710418C ",
"Authorised_by_GPS": "N",
"CU_Group": "PMT-CU-001",
"InstCode": "PMT",
"MTID": "0620",
"ProductID": 4252,
"SubBIN": 51694000,
"TLogIDOrg": 0,
"VL_Group": "PMT-VL-001",
"Dom_Fee_Fixed": 0.0000,
"Non_Dom_Fee_Fixed": 0.0000,
"Fx_Fee_Fixed": 0.0000,
"Other_Fee_Amt": 0.0000,
"Fx_Fee_Rate": 0.0000,
"Dom_Fee_Rate": 0.0000,
"Non_Dom_Fee_Rate": 0.0000,
"Additional_Data_DE124": "192TCD001514838250601ZILCHCONS enStephanie's phone (31269d868a6a0394114a347cfef4ee0901e24060401010DAPLMC000026259835f4ba50cdd94aea8725b3beedde4545FAPLMC00002625988947bff5eb134ffcae9822bf49031d09S",
"SendingAttemptCount": 0
}Response
Example response from the external host system:
Copy
{
"Responsestatus":"00",
"CurBalance":0.0,
"AvlBalance":0.0,
"Acknowledgement":1,
"LoadAmount":0.0,
"Bill_Amt_Approved":0.0,
"Update_Balance":0,
"New_Balance_Sequence_Exthost":0,
"CVV2_Result":"",
"AvlBalance_GPS_STIP":0.0,
"CurBalance_GPS_STIP":0.0
}TEN (360000) Message
Copy
{
"SchemeTransactionIdentifier": "BNETF64",
"TokenUniqueReference": "DM4MMC1PT0000000be3ec16ef999999ab7d4b47da4456277",
"PaymentTokenPan": "5372403458767765",
"Network_Fraud_Data": "00199991 ",
"FxProviderCardholderRate": 0.0,
"Network_TxnAmt_To_BillAmt_Rate": "7878970:7",
"POS_Date_DE13": "00000000",
"Traceid_Message": "BNET-20240603-BPDH0UE75",
"Network_Currency_Conversion_Date": "2024-06-03",
"Network_Transaction_ID": "BPDH0UE750603",
"DCC_Indicator": 0,
"multi_part_txn": 0,
"multi_part_txn_final": 0,
"auth_type": "0",
"auth_expdate_utc": "2024-06-11 01:00:16.001",
"Merch_Name": "Visa Provisioning Service",
"Merch_City": "St. Louis",
"Merch_Postcode": "63368",
"Merch_Country": "USA",
"GPS_POS_Capability": "0011000010000000000000000000000000100000000230010",
"GPS_POS_Data": "5018000800000Nx000NNNNNM0NUUXXU",
"Response_Source_Why": 0,
"Message_Source": "CRDHLR",
"Message_Why": 51,
"traceid_lifecycle": "VIS1-20240604-304156486459325",
"Balance_Sequence": 0,
"Balance_Sequence_Exthost": 0,
"PaymentToken_id": 58098832,
"PaymentToken_creator": "Visa-T",
"PaymentToken_expdate": "2026-03-31",
"PaymentToken_type": "SE",
"PaymentToken_status": "00",
"PaymentToken_creatorStatus": "D",
"PaymentToken_wallet": "APPLE",
"PaymentToken_deviceType": "M",
"PaymentToken_lang": " ",
"PaymentToken_deviceTelNum": "1504",
"PaymentToken_deviceIp": "94FC8598",
"PaymentToken_deviceId": "01234567896A8002119909991631144010A4926E8D6D1C36",
"PaymentToken_deviceName": "iPhone",
"Acquirer_id_DE32": "06015611",
"ActBal": 0.0000,
"Auth_Code_DE38": "161404",
"Avl_Bal": 0.0000,
"Bill_Amt": 0.0000,
"Bill_Ccy": "826",
"BlkAmt": 0.0000,
"FX_Pad": 0.0000,
"Fee_Fixed": 0.0000,
"Fee_Rate": 0.0000,
"MCC_Code": "5969",
"MCC_Desc": "Direct Marketing - Other",
"MCC_Pad": 0.0000,
"Merch_ID_DE42": "CARD ACCPT IDC",
"Merch_Name_DE43": "Visa Provisioning Service FR",
"POS_Data_DE22": "010",
"POS_Data_DE61": "102510900000084063368",
"Proc_Code": "360000",
"Resp_Code_DE39": "00",
"Settle_Amt": 0.0000,
"Settle_Ccy": "826",
"Status_Code": "00",
"Token": 155027420,
"Trans_link": "240604919020015611",
"Txn_Amt": 0.0000,
"Txn_CCy": "840",
"Txn_Ctry": "USA",
"Txn_Desc": "Visa Provisioning Service FR",
"Txn_GPS_Date": "2024-06-04 02:00:16.121",
"TXn_ID": 14414250789,
"Txn_Stat_Code": "A",
"TXN_Time_DE07": "0604010015",
"Txn_Type": "J",
"Additional_Data_DE48": "091T230221260310333480101C021653724083932605950304260306115011003027375130103001020291710418C ",
"Authorised_by_GPS": "N",
"CU_Group": "PMT-CU-001",
"InstCode": "PMT",
"MTID": "0620",
"ProductID": 4252,
"SubBIN": 51694000,
"TLogIDOrg": 0,
"VL_Group": "PMT-VL-001",
"Dom_Fee_Fixed": 0.0000,
"Non_Dom_Fee_Fixed": 0.0000,
"Fx_Fee_Fixed": 0.0000,
"Other_Fee_Amt": 0.0000,
"Fx_Fee_Rate": 0.0000,
"Dom_Fee_Rate": 0.0000,
"Non_Dom_Fee_Rate": 0.0000,
"Additional_Data_DE124": "068TVD00067408479624 2DAPLMC000026259862dc013463464968ac77488b5bd11e9d",
"SendingAttemptCount": 0
}Response
Example response from the external host system:
Copy
{
"Responsestatus":"00",
"CurBalance":0.0,
"AvlBalance":0.0,
"Acknowledgement":1,
"LoadAmount":0.0,
"Bill_Amt_Approved":0.0,
"Update_Balance":0,
"New_Balance_Sequence_Exthost":0,
"CVV2_Result":"",
"AvlBalance_GPS_STIP":0.0,
"CurBalance_GPS_STIP":0.0
}3.1.11 Example Incremental Authorisation Messages
Incremental Authorisation Request
Below is an example of the HTTP POST body data for an incremental authorisation request.
Copy
{
"FxProviderCardholderRate":0.000000000,
"Network_TxnAmt_To_BillAmt_Rate":"1000000:6",
"POS_Date_DE13":"20241127",
"Traceid_Message":"BNET-20241127-MCC680561",
"Traceid_Original":"BNET-20241127-MCC686194",
"Network_Currency_Conversion_Date":"2024-11-27",
"Network_Transaction_ID":"MCC6805611127",
"DCC_Indicator":0,
"multi_part_txn":0,
"multi_part_txn_final":0,
"auth_type":"P",
"auth_expdate_utc":"2024-12-27 13:26:26.363",
"Matching_Txn_ID":0,
"Reason_ID":0,
"Merch_Name":"ASDA GROCERIES",
"Merch_City":"LONDON",
"Merch_Postcode":"SW1 3AN",
"Merch_Country":"GBR",
"Merch_Tax_id":"0",
"GPS_POS_Capability":"000100000000010000000000000000000010000000000100M",
"GPS_POS_Data":"10V8000800000Nx006",
"Response_Source_Why":0,
"Message_Why":0,
"traceid_lifecycle":"BNET-20241127-MCC686194",
"PaymentToken_id":0,
"PaymentToken_creatorStatus":" ",
"PaymentToken_lang":" ",
"PaymentToken_activationMethod":0,
"Acquirer_id_DE32":"06555555",
"ActBal":100723.40,
"Auth_Code_DE38":"166297",
"Avl_Bal":100009.40,
"Bill_Amt":-20.00,
"Bill_Ccy":"826",
"BlkAmt":-714.00,
"FX_Pad":0.00,
"Fee_Fixed":2.00,
"Fee_Rate":0.00,
"MCC_Code":"5734",
"MCC_Desc":"Computer Software Stores",
"MCC_Pad":0.00,
"Merch_ID_DE42":"MERCHANT 000001",
"Merch_Name_DE43":"ASDA GROCERIES LONDON GBR",
"Note":" Gen: Pre-Authorization Request",
"POS_Data_DE22":"812",
"POS_Data_DE61":"2031104000100826SW1 3AN",
"POS_Termnl_DE41":"ECOMM001",
"POS_Time_DE12":"012626",
"Proc_Code":"000000",
"Resp_Code_DE39":"00",
"Ret_Ref_No_DE37":"433210456861",
"Settle_Amt":20.00,
"Settle_Ccy":"826",
"Status_Code":"00",
"Token":108336227,
"Trans_link":"241127683518555555",
"Txn_Amt":20.0000,
"Txn_CCy":"826",
"Txn_Ctry":"GBR",
"Txn_Desc":"ASDA GROCERIES LONDON GBR",
"Txn_GPS_Date":"2024-11-27 13:26:26.783",
"TXn_ID":6162588064,
"Txn_Stat_Code":"A",
"TXN_Time_DE07":"1127132626",
"Txn_Type":"A",
"Additional_Data_DE48":"038T420701038106315MCC6861941127 9203***",
"Authorised_by_GPS":"N",
"CU_Group":"PMT-CU-001",
"InstCode":"TEST",
"MTID":"0100",
"ProductID":99884,
"SubBIN":52729540,
"TLogIDOrg":0,
"VL_Group":"QE-LIMIT",
"Dom_Fee_Fixed":2.0000,
"Non_Dom_Fee_Fixed":0.0000,
"Fx_Fee_Fixed":0.0000,
"Other_Fee_Amt":0.0000,
"Fx_Fee_Rate":0.0000,
"Dom_Fee_Rate":0.0000,
"Non_Dom_Fee_Rate":0.0000,
"SendingAttemptCount":0
}
Incremental Authorisation Response
Below is an example response.
Copy
{
"MerchantAdvice":null,
"Responsestatus":"00",
"CurBalance":0,
"AvlBalance":100,
"Acknowledgement":"1",
"LoadAmount":50,
"Bill_Amt_Approved":0,
"Update_Balance":1,
"New_Balance_Sequence_Exthost":200,
"CVV2_Result":"M",
"CurBalance_GPS_STIP":0,
"AvlBalance_GPS_STIP":100
}
3.1.12 Examples of Amount Signs
The table below provides an overview of the signs on important amount fields used in many transactions and illustrates using examples.
The TXn_ID field is provided for internal Thredd usage and can be ignored.
|
MTID |
Txn_Type |
cr/db |
Proc_ |
Source |
settle_ccy |
settle_amt |
txn_ccy |
txn_amt |
bill_ccy |
bill_amt |
TXn_ID |
|---|---|---|---|---|---|---|---|---|---|---|---|
|
0100 |
A |
Debit |
000000 |
Banknet |
978 |
7.1900 |
826 |
6.3000 |
978 |
-7.1900 |
3178117382 |
|
0100 |
A |
Debit |
000000 |
Visa B1 |
978 |
22.2500 |
826 |
19.4800 |
978 |
-22.2500 |
3178117377 |
|
0100 |
A |
Credit |
280000 |
Banknet |
826 |
47.7500 |
826 |
47.7500 |
826 |
47.7500 |
3178096311 |
|
0100 |
A |
Credit |
260000 |
Visa B1 |
978 |
77.7100 |
826 |
70.0000 |
978 |
77.7100 |
3076890895 |
|
|
D |
Debit |
000000 |
Banknet |
978 |
1.0000 |
978 |
1.0000 |
978 |
1.0000 |
3177930769 |
|
|
D |
Debit |
003000 |
Visa B1 |
978 |
29.9400 |
554 |
50.0000 |
978 |
29.9400 |
3177930766 |
|
|
D |
Credit |
280000 |
Banknet |
826 |
10.0000 |
826 |
10.0000 |
826 |
-10.0000 |
3179976368 |
|
|
D |
Credit |
200000 |
Visa B1 |
840 |
10.0000 |
826 |
8.0200 |
124 |
-14.0400 |
(not real) |
|
0120 |
A |
Debit (AFD) |
000000 |
Banknet |
978 |
0.0000 |
978 |
20.2300 |
978 |
20.2300 |
3178113201 |
|
0120 |
A |
Debit (AFD) |
003000 |
Visa B1 |
978 |
0.0000 |
458 |
195.4300 |
978 |
42.8000 |
3178110653 |
|
0120 |
J |
Debit |
000000 |
Banknet |
|
0.0000 |
784 |
21.0300 |
826 |
4.4400 |
3178071058 |
|
0120 |
J |
Debit |
003000 |
Visa B1 |
|
0.0000 |
458 |
2.4800 |
978 |
0.5400 |
3178059229 |
|
0120 |
J |
Credit |
200000 |
Banknet |
|
0.0000 |
826 |
25.0000 |
978 |
30.0000 |
(not real) |
|
0120 |
J |
Credit |
260000 |
Visa B1 |
|
0.0000 |
826 |
70.0000 |
978 |
77.7100 |
3076890919 |
|
1240 |
P |
Debit |
000000 |
GCMS |
978 |
-129.0000 |
978 |
129.0000 |
978 |
-129.0000 |
3185427850 |
|
1240 |
P |
Credit |
200000 |
GCMS |
978 |
39.2300 |
978 |
39.2300 |
978 |
39.2300 |
3185427844 |
|
05pp |
P |
Debit |
000000 |
Visa B2 |
826 |
-30.5800 |
710 |
550.0000 |
826 |
-30.5800 |
3184113150 |
|
06pp |
P |
Credit |
200000 |
Visa B2 |
978 |
7.1300 |
036 |
11.3600 |
978 |
7.1300 |
3183968531 |
|
07pp |
P |
Debit |
010000 |
Visa B2 |
978 |
-901.7500 |
978 |
901.7500 |
978 |
-901.7500 |
3183970358 |
|
1240 |
A |
Debit (dummy auth) |
010000 |
GCMS |
840 |
-64.9300 |
704 |
1500000.0000 |
978 |
-57.6000 |
3189756992 |
|
1240 |
A |
Credit (dummy auth) |
200000 |
GCMS |
978 |
39.2300 |
978 |
39.2300 |
978 |
39.2300 |
(not real) |
|
05pp |
A |
Debit (dummy auth) |
000000 |
Visa B2 |
840 |
-18.9300 |
756 |
19.0000 |
840 |
-18.9300 |
3189248664 |
|
06pp |
A |
Credit (dummy auth) |
200000 |
Visa B2 |
978 |
7.1300 |
036 |
11.3600 |
978 |
7.1300 |
(not real) |
|
07pp |
A |
Debit (dummy auth) |
010000 |
Visa B2 |
826 |
-207.7100 |
484 |
5100.0000 |
826 |
-207.7100 |
3189246992 |
|
1240 |
C |
Chargeback |
180000 |
Other |
978 |
200.0000 |
978 |
200.0000 |
978 |
200.0000 |
3186093786 |
|
1240 |
C |
Chargeback |
000000 |
Other |
826 |
98.0000 |
826 |
98.0000 |
826 |
98.0000 |
3189694682 |
|
1240 |
C |
Chargeback |
010000 |
Other |
978 |
80.0000 |
978 |
80.0000 |
978 |
80.0000 |
3189323524 |
|
|
L |
Load |
220000 |
Other |
978 |
90.0000 |
978 |
90.0000 |
978 |
90.0000 |
3189759169 |
|
|
U |
Unload |
230000 |
Other |
826 |
8.8400 |
826 |
8.8400 |
826 |
-8.8400 |
2993509894 |
|
|
B |
Bal Adj |
190000 |
Other |
978 |
0.1900 |
978 |
0.1900 |
978 |
-0.1900 |
3188058606 |
|
|
B |
Bal Adj |
021000 |
Other |
826 |
4.9900 |
826 |
4.9900 |
826 |
4.9900 |
3188057935 |
|
|
P |
Fee |
083999 |
Thredd (Fee fields have amounts) |
826 |
0.0000 |
826 |
0.0000 |
826 |
0.0000 |
5071773234 |
Notes
In the above table, a ‘p’ indicates the space character, and the ‘Source’ column indicates the origin of the message as follows:
-
“Visa B1” if from Visa Base 1 (i.e., Visa online authorisation system)
-
“Visa B2” if from Visa Base 2 (i.e., Visa offline clearing system)
-
“Banknet” if from Mastercard Banknet (i.e., Mastercard online authorisation system)
-
“GCMS” if from Mastercard Global Clearing system (i.e., Mastercard offline clearing system)
-
“Other” means not Visa or Mastercard. For example, internal (via Thredd Portal, Smart Client) or a web service call / Cards API
The Thredd Cards API is a new REST-based API which can be used to connect to the Thredd system in place of using the traditional Thredd SOAP-based Web Services. The REST API provides messages in JSON format. If you are interested in the Cards API, please contact your Account Manager. call.