3.7 Other EHI Examples
This section provides other examples of common transaction messages and responses. It includes the following examples:
3.7.1 Example Payment Message
Payment messages are information that a Payment has already happened (i.e. it is not happening at the moment, and you cannot decline it. It is an advice).
Below is an example of the HTTP POST body data for a payment advice notification.
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<s:Envelope xmlns:s="http://schemas.xmlsoap.org/soap/envelope/">
<s:Body>
<GetTransaction xmlns="http://tempuri.org/">
<Acquirer_id_DE32>06019869</Acquirer_id_DE32>
<ActBal>442.0000</ActBal>
<Additional_Amt_DE54 />
<Amt_Tran_Fee_DE28 />
<Auth_Code_DE38>163746</Auth_Code_DE38>
<Avl_Bal>262.0000</Avl_Bal>
<Bill_Amt>-10.0000</Bill_Amt>
<Bill_Ccy>392</Bill_Ccy>
<BlkAmt>-180.0000</BlkAmt>
<Cust_Ref>s035nPHAD15oxK0yoo4Zj2</Cust_Ref>
<FX_Pad>0.0000</FX_Pad>
<Fee_Fixed>0.0000</Fee_Fixed>
<Fee_Rate>0.0000</Fee_Rate>
<LoadSRC />
<LoadType />
<MCC_Code>4111</MCC_Code>
<MCC_Desc>Commuter Transport, Ferries</MCC_Desc>
<MCC_Pad>0.0000</MCC_Pad>
<Merch_ID_DE42>CARD ACCPT IDC</Merch_ID_DE42>
<Merch_Name_DE43>Mastercard TA St. Louis MO </Merch_Name_DE43>
<Note />
<POS_Data_DE22>070</POS_Data_DE22>
<POS_Data_DE61>1000000000300826SW1H 0TL</POS_Data_DE61>
<POS_Termnl_DE41>TERM0015</POS_Termnl_DE41>
<POS_Time_DE12>151242</POS_Time_DE12>
<Proc_Code>000000</Proc_Code>
<Resp_Code_DE39>00</Resp_Code_DE39>
<Ret_Ref_No_DE37>000000694130</Ret_Ref_No_DE37>
<Settle_Amt>10.0000</Settle_Amt>
<Settle_Ccy>392</Settle_Ccy>
<Status_Code>00</Status_Code>
<Token>837513924</Token>
<Trans_link>210408694416019869</Trans_link>
<Txn_Amt>0.1000</Txn_Amt>
<Txn_CCy>840</Txn_CCy>
<Txn_Ctry>GBR</Txn_Ctry>
<Txn_Desc>Mastercard TA St. Louis MO </Txn_Desc>
<Txn_GPS_Date>2021-04-08 15:12:50.907</Txn_GPS_Date>
<TXn_ID>6150900956</TXn_ID>
<Txn_Stat_Code>A</Txn_Stat_Code>
<TXN_Time_DE07>0408151242</TXN_Time_DE07>
<Txn_Type>A</Txn_Type>
<Additional_Data_DE48>192T23022126031033044+4As7jPVqipH7RxD6nmCHg3ePZd6qW56JPMScSSkF8E=33540101C021655743500719964780304231206115011003027308020534110000100000W61050000164040400711250C 51V 18C 751301030520202049203619</Additional_Data_DE48>
<Authorised_by_GPS>N</Authorised_by_GPS>
<AVS_Result />
<CU_Group>TESTAUTO_P</CU_Group>
<InstCode>CORP</InstCode>
<MTID>0100</MTID>
<ProductID>94</ProductID>
<Record_Data_DE120 />
<SubBIN>54281200</SubBIN>
<TLogIDOrg>0</TLogIDOrg>
<VL_Group>CSL-VL-002</VL_Group>
<Dom_Fee_Fixed>0.0000</Dom_Fee_Fixed>
<Non_Dom_Fee_Fixed>0.0000</Non_Dom_Fee_Fixed>
<Fx_Fee_Fixed>0.0000</Fx_Fee_Fixed>
<Other_Fee_Amt>0.0000</Other_Fee_Amt>
<Fx_Fee_Rate>0.0000</Fx_Fee_Rate>
<Dom_Fee_Rate>0.0000</Dom_Fee_Rate>
<Non_Dom_Fee_Rate>0.0000</Non_Dom_Fee_Rate>
<Additional_Data_DE124 />
<CVV2 />
<Expiry_Date />
<PAN_Sequence_Number />
<PIN />
<PIN_Enc_Algorithm />
<PIN_Format />
<PIN_Key_Index />
<SendingAttemptCount>0</SendingAttemptCount>
<source_bank_ctry />
<source_bank_account_format />
<source_bank_account />
<dest_bank_ctry />
<dest_bank_account_format />
<dest_bank_account />
<GPS_POS_Capability>00000000001000000000000100000010000000000002130C0</GPS_POS_Capability>
<GPS_POS_Data>0171000300000Nx000</GPS_POS_Data>
<Acquirer_Reference_Data_031 />
<Response_Source />
<Response_Source_Why>0</Response_Source_Why>
<Message_Source />
<Message_Why>0</Message_Why>
<traceid_lifecycle>BNET-20210408-MCC770613</traceid_lifecycle>
<PaymentToken_id>13067</PaymentToken_id>
<PaymentToken_creator />
<PaymentToken_expdate>2023-12-31</PaymentToken_expdate>
<PaymentToken_type />
<PaymentToken_status>00</PaymentToken_status>
<PaymentToken_creatorStatus>A</PaymentToken_creatorStatus>
<PaymentToken_wallet />
<PaymentToken_deviceType />
<PaymentToken_lang />
<PaymentToken_deviceTelNum />
<PaymentToken_deviceIp />
<PaymentToken_deviceId />
<PaymentToken_deviceName />
<PaymentToken_activationCode />
<PaymentToken_activationExpiry />
<PaymentToken_activationMethodData />
<PaymentToken_activationMethod>0</PaymentToken_activationMethod>
<ICC_System_Related_Data_DE55 />
<Merch_Name>Mastercard TA</Merch_Name>
<Merch_Street />
<Merch_City>St. Louis</Merch_City>
<Merch_Region>MO</Merch_Region>
<Merch_Postcode>SW1H 0TL</Merch_Postcode>
<Merch_Country>GBR</Merch_Country>
<Merch_Tel />
<Merch_URL />
<Merch_Name_Other />
<Merch_Net_id />
<Merch_Tax_id>0</Merch_Tax_id>
<Merch_Contact />
<auth_type>F</auth_type>
<Matching_Txn_ID>0</Matching_Txn_ID>
<Reason_ID>0</Reason_ID>
<Dispute_Condition />
<Network_Chargeback_Reference_Id />
<Acquirer_Forwarder_ID />
<Currency_Code_Fee />
<Currency_Code_Fee_Settlement />
<Interchange_Amount_Fee />
<Interchange_Amount_Fee_Settlement />
<Clearing_Process_Date />
<Settlement_Date />
<DCC_Indicator>0</DCC_Indicator>
<multi_part_txn>0</multi_part_txn>
<multi_part_txn_final>0</multi_part_txn_final>
<multi_part_number />
<multi_part_count />
<SettlementIndicator />
<Network_TxnAmt_To_BillAmt_Rate>1000000:6</Network_TxnAmt_To_BillAmt_Rate>
<Network_TxnAmt_To_BaseAmt_Rate />
<Network_BaseAmt_To_BillAmt_Rate />
<POS_Date_DE13>20210408</POS_Date_DE13>
<Traceid_Message>BNET-20210408-MCC770613</Traceid_Message>
<Traceid_Original />
<Network_Currency_Conversion_Date>2021-04-08</Network_Currency_Conversion_Date>
<Mastercard_AdviceReasonCode_DE60 />
<Network_Original_Data_Elements_DE90 />
<Visa_ResponseInfo_DE44 />
<Visa_STIP_Reason_Code />
<Network_Issuer_Settle_ID />
<Network_Replacement_Amounts_DE95 />
<Visa_POS_Data_DE60 />
<Network_Transaction_ID>MCC7706130408</Network_Transaction_ID>
<Misc_TLV_Data />
<Acquirer_Country>GBR</Acquirer_Country>
<PaymentToken_PanSource>2</PaymentToken_PanSource>
<Network_Fraud_Data>999</Network_Fraud_Data>
<SenderData>0104Adam0703ROM080511A56V10205</SenderData>
<ReceiverData>0310John Smith</ReceiverData>
<AuthenticationCurrency />
<AuthenticationAmountUpper />
<AuthenticationMerchantHash />
<FxProviderCardholderRate />
</GetTransaction>
</s:Body>
</s:Envelope>Payment Response
Below is an example of HTTP response to the above Payment advice message.
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<?xml version="1.0" encoding="utf-8"?>
<soap:Envelope xmlns:soap="http://schemas.xmlsoap.org/soap/envelope/" xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance" xmlns:xsd="http://www.w3.org/2001/XMLSchema">
<soap:Body>
<GetTransactionResponse xmlns="http://tempuri.org/">
<GetTransactionResult>
<Responsestatus>00</Responsestatus>
<CurBalance>0</CurBalance>
<AvlBalance>100</AvlBalance>
<Acknowledgement>1</Acknowledgement>
<LoadAmount>50</LoadAmount>
<Bill_Amt_Approved>0</Bill_Amt_Approved>
<Update_Balance>1</Update_Balance>
<New_Balance_Sequence_Exthost>200</New_Balance_Sequence_Exthost>
<CVV2_Result>400</CVV2_Result>
<CurBalance_GPS_STIP>0</CurBalance_GPS_STIP>
<AvlBalance_GPS_STIP>100</AvlBalance_GPS_STIP>
</GetTransactionResult>
</GetTransactionResponse>
</soap:Body>
</soap:Envelope>3.7.2 Example Fee (Financial) Message
Below is an example of the HTTP POST body data for a financial fee request.
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<s:Envelope xmlns:s="http://schemas.xmlsoap.org/soap/envelope/">
<s:Body>
<GetTransaction xmlns="http://tempuri.org/">
<Acquirer_id_DE32 />
<ActBal>156.6300</ActBal>
<Additional_Amt_DE54 />
<Amt_Tran_Fee_DE28 />
<Auth_Code_DE38 />
<Avl_Bal>137.6300</Avl_Bal>
<Bill_Amt>0.0000</Bill_Amt>
<Bill_Ccy>826</Bill_Ccy>
<BlkAmt>-19.0000</BlkAmt>
<Cust_Ref>9841867703</Cust_Ref>
<FX_Pad>0.0000</FX_Pad>
<Fee_Fixed>1.5000</Fee_Fixed>
<Fee_Rate>0.0000</Fee_Rate>
<LoadSRC>0</LoadSRC>
<LoadType>0</LoadType>
<MCC_Code />
<MCC_Desc />
<MCC_Pad>0.0000</MCC_Pad>
<Merch_ID_DE42 />
<Merch_Name_DE43 />
<Note>Fees</Note>
<POS_Data_DE22 />
<POS_Data_DE61 />
<POS_Termnl_DE41 />
<POS_Time_DE12 />
<Proc_Code>083999</Proc_Code>
<Resp_Code_DE39 />
<Ret_Ref_No_DE37 />
<Settle_Amt>0.0000</Settle_Amt>
<Settle_Ccy>826</Settle_Ccy>
<Status_Code>00</Status_Code>
<Token>936270603</Token>
<Trans_link>5071773234</Trans_link>
<Txn_Amt>0.0000</Txn_Amt>
<Txn_CCy>826</Txn_CCy>
<Txn_Ctry />
<Txn_Desc> QCF - Quasi cash transaction Fee. Posted date - Feb 13 2020 1:12AM</Txn_Desc>
<Txn_GPS_Date>2020-02-13 01:12:32.407</Txn_GPS_Date>
<TXn_ID>5071773234</TXn_ID>
<Txn_Stat_Code>S</Txn_Stat_Code>
<TXN_Time_DE07 />
<Txn_Type>P</Txn_Type>
<Additional_Data_DE48 />
<Authorised_by_GPS>N</Authorised_by_GPS>
<AVS_Result />
<CU_Group>ABC-CU-001</CU_Group>
<InstCode>ABC</InstCode>
<MTID />
<ProductID>4368</ProductID>
<Record_Data_DE120 />
<SubBIN>51234500</SubBIN>
<TLogIDOrg>0</TLogIDOrg>
<VL_Group>ABC-VL-001</VL_Group>
<Dom_Fee_Fixed>1.5000</Dom_Fee_Fixed>
<Non_Dom_Fee_Fixed>0.0000</Non_Dom_Fee_Fixed>
<Fx_Fee_Fixed>0.0000</Fx_Fee_Fixed>
<Other_Fee_Amt>0.0000</Other_Fee_Amt>
<Fx_Fee_Rate>0.0000</Fx_Fee_Rate>
<Dom_Fee_Rate>0.0000</Dom_Fee_Rate>
<Non_Dom_Fee_Rate>0.0000</Non_Dom_Fee_Rate>
<Additional_Data_DE124 />
<CVV2 />
<Expiry_Date>0</Expiry_Date>
<PAN_Sequence_Number />
<PIN />
<PIN_Enc_Algorithm />
<PIN_Format />
<PIN_Key_Index />
<SendingAttemptCount>0</SendingAttemptCount>
<source_bank_ctry />
<source_bank_account_format />
<source_bank_account />
<dest_bank_ctry />
<dest_bank_account_format />
<dest_bank_account />
<GPS_POS_Capability />
<GPS_POS_Data />
<Acquirer_Reference_Data_031 />
<Response_Source />
<Response_Source_Why>0</Response_Source_Why>
<Message_Source />
<Message_Why>0</Message_Why>
<traceid_lifecycle />
<Balance_Sequence />
<Balance_Sequence_Exthost />
<PaymentToken_id />
<PaymentToken_creator />
<PaymentToken_expdate />
<PaymentToken_type />
<PaymentToken_status />
<PaymentToken_creatorStatus />
<PaymentToken_wallet />
<PaymentToken_deviceType />
<PaymentToken_lang />
<PaymentToken_deviceTelNum />
<PaymentToken_deviceIp />
<PaymentToken_deviceId />
<PaymentToken_deviceName />
<PaymentToken_activationCode />
<PaymentToken_activationExpiry />
<PaymentToken_activationMethod />
<PaymentToken_activationMethodData />
<ICC_System_Related_Data_DE55 />
<Merch_Name />
<Merch_Street />
<Merch_City />
<Merch_Region />
<Merch_Postcode />
<Merch_Country />
<Merch_Tel />
<Merch_URL />
<Merch_Name_Other />
<Merch_Net_id />
<Merch_Tax_id />
<Merch_Contact />
<auth_type />
<auth_expdate_utc />
<Matching_Txn_ID />
<Reason_ID />
<Dispute_Condition />
<Network_Chargeback_Reference_Id />
<Acquirer_Forwarder_ID />
<Currency_Code_Fee />
<Currency_Code_Fee_Settlement />
<Interchange_Amount_Fee />
<Interchange_Amount_Fee_Settlement />
<Clearing_Process_Date />
<Settlement_Date />
<DCC_Indicator />
<multi_part_txn />
<multi_part_txn_final />
<multi_part_number />
<multi_part_count />
<SettlementIndicator>0</SettlementIndicator>
<Traceid_Message />
<Traceid_Original />
<Network_Transaction_ID />
<POS_Date_DE13 />
<Network_Currency_Conversion_Date />
<Network_TxnAmt_To_BillAmt_Rate />
<Network_TxnAmt_To_BaseAmt_Rate />
<Network_BaseAmt_To_BillAmt_Rate />
<Network_Original_Data_Elements_DE90 />
<Network_Replacement_Amounts_DE95 />
<Network_Issuer_Settle_ID />
<Visa_ResponseInfo_DE44 />
<Visa_POS_Data_DE60 />
<Visa_STIP_Reason_Code />
<Mastercard_AdviceReasonCode_DE60 />
<Misc_TLV_Data />
<Acquirer_Country />
<PaymentToken_PanSource />
<Network_Fraud_Data />
<SenderData />
<ReceiverData />
<AuthenticationCurrency />
<AuthenticationAmountUpper />
<AuthenticationMerchantHash />
<FxProviderCardholderRate />
</GetTransaction>
</s:Body>
</s:Envelope>
Fee (Financial) Response
Below is an example of HTTP response to the above Fee(Financial) Request message.
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<?xml version="1.0" encoding="utf-8"?>
<soap:Envelope xmlns:soap="http://schemas.xmlsoap.org/soap/envelope/" xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance" xmlns:xsd="http://www.w3.org/2001/XMLSchema">
<soap:Body>
<GetTransactionResponse xmlns="http://tempuri.org/">
<GetTransactionResult>
<Responsestatus>00</Responsestatus>
<CurBalance>0.5</CurBalance>
<AvlBalance>0.5</AvlBalance>
<Acknowledgement>1</Acknowledgement>
<LoadAmount>0.00</LoadAmount>
</GetTransactionResult>
</GetTransactionResponse>
</soap:Body>
</soap:Envelope>
3.7.3 Example Card Expiry Message
Card Expiry messages inform you that a Card has Expired. (i.e. it is not happening at the moment, and you cannot decline it. It is an advice.)
Here ‘Bill_Amt’ is set to either:
-
“0.00” if the Card Product ‘Breakage fee’ flag is not set
-
The amount remaining on the card, if Card Product ‘Breakage fee’ flag is set. Below “-5.89” indicates that a positive balance of “5.89” was on the card.
Card Expiry Request
Below is an example of the HTTP POST body data for a card expiry advice notification.
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<?xml version="1.0" encoding="utf-8"?>
<s:Envelope xmlns:s="http://schemas.xmlsoap.org/soap/envelope/">
<s:Body>
<GetTransaction xmlns="http://tempuri.org/">
<Acquirer_id_DE32 />
<ActBal>0.0000</ActBal>
<Additional_Amt_DE54 />
<Amt_Tran_Fee_DE28 />
<Auth_Code_DE38 />
<Avl_Bal>0.0000</Avl_Bal>
<Bill_Amt>-5.8900</Bill_Amt>
<Bill_Ccy>826</Bill_Ccy>
<BlkAmt>0.0000</BlkAmt>
<Cust_Ref>4050b028-abcd</Cust_Ref>
<FX_Pad>0.0000</FX_Pad>
<Fee_Fixed>0.0000</Fee_Fixed>
<Fee_Rate>0.0000</Fee_Rate>
<LoadSRC />
<LoadType />
<MCC_Code />
<MCC_Desc />
<MCC_Pad>0.0000</MCC_Pad>
<Merch_ID_DE42 />
<Merch_Name_DE43 />
<Note />
<POS_Data_DE22 />
<POS_Data_DE61 />
<POS_Termnl_DE4 />
<POS_Time_DE12 />
<Proc_Code>220000</Proc_Code>
<Resp_Code_DE39 />
<Ret_Ref_No_DE37 />
<Settle_Amt>5.8900</Settle_Amt>
<Settle_Ccy>826</Settle_Ccy>
<Status_Code>54</Status_Code>
<Token>663368509</Token>
<Trans_link>5960771322</Trans_link>
<Txn_Amt>5.8900</Txn_Amt>
<Txn_CCy>826</Txn_CCy>
<Txn_Ctry />
<Txn_Desc>Card Expiry</Txn_Desc>
<Txn_GPS_Date>2020-07-15 01:03:28.330</Txn_GPS_Date>
<TXn_ID>5960771322</TXn_ID>
<Txn_Stat_Code>S</Txn_Stat_Code>
<TXN_Time_DE07 />
<Txn_Type>Y</Txn_Type>
<Additional_Data_DE48 />
<Authorised_by_GPS>N</Authorised_by_GPS>
<AVS_Result />
<CU_Group>ABC-CU-001</CU_Group>
<InstCode>ABC</InstCode>
<MTID />
<ProductID>2114</ProductID>
<Record_Data_DE120 />
<SubBIN>59833440</SubBIN>
<TLogIDOrg>0</TLogIDOrg>
<VL_Group>ABC-VL-002</VL_Group>
<Dom_Fee_Fixed>0.0000</Dom_Fee_Fixed>
<Non_Dom_Fee_Fixed>0.0000</Non_Dom_Fee_Fixed>
<Fx_Fee_Fixed>0.0000</Fx_Fee_Fixed>
<Other_Fee_Amt>0.0000</Other_Fee_Amt>
<Fx_Fee_Rate>0.0000</Fx_Fee_Rate>
<Dom_Fee_Rate>0.0000</Dom_Fee_Rate>
<Non_Dom_Fee_Rate>0.0000</Non_Dom_Fee_Rate>
<Additional_Data_DE124 />
<CVV2 />
<Expiry_Date>0</Expiry_Date>
<PAN_Sequence_Number />
<PIN />
<PIN_Enc_Algorithm />
<PIN_Format />
<PIN_Key_Index />
<SendingAttemptCount>0</SendingAttemptCount>
<source_bank_ctry />
<source_bank_account_format />
<source_bank_account />
<dest_bank_ctry />
<dest_bank_account_format />
<dest_bank_account />
<GPS_POS_Capability />
<GPS_POS_Data />
<Acquirer_Reference_Data_031 />
<Response_Source />
<Response_Source_Why>0</Response_Source_Why>
<Message_Source />
<Message_Why>0</Message_Why>
<traceid_lifecycle />
<Balance_Sequence />
<Balance_Sequence_Exthost />
<PaymentToken_id />
<PaymentToken_creator />
<PaymentToken_expdate />
<PaymentToken_type />
<PaymentToken_status />
<PaymentToken_creatorStatus />
<PaymentToken_wallet />
<PaymentToken_deviceType />
<PaymentToken_lang />
<PaymentToken_deviceTelNum />
<PaymentToken_deviceIp />
<PaymentToken_deviceId />
<PaymentToken_deviceName />
<PaymentToken_activationCode />
<PaymentToken_activationExpiry />
<PaymentToken_activationMethod>0</PaymentToken_activationMethod>
<PaymentToken_activationMethodData />
<ICC_System_Related_Data_DE55 />
<Merch_Name />
<Merch_Street />
<Merch_City />
<Merch_Region />
<Merch_Postcode />
<Merch_Country />
<Merch_Tel />
<Merch_URL />
<Merch_Name_Other />
<Merch_Net_id />
<Merch_Tax_id>0</Merch_Tax_id>
<Merch_Contact />
<auth_type />
<auth_expdate_utc />
<Matching_Txn_ID />
<Reason_ID>0</Reason_ID>
<Dispute_Condition />
<Network_Chargeback_Reference_Id />
<Acquirer_Forwarder_ID />
<Currency_Code_Fee />
<Currency_Code_Fee_Settlement />
<Interchange_Amount_Fee />
<Interchange_Amount_Fee_Settlement />
<Clearing_Process_Date />
<Settlement_Date />
<DCC_Indicator>0</DCC_Indicator>
<multi_part_txn />
<multi_part_txn_final />
<multi_part_number />
<multi_part_count />
<SettlementIndicator>0</SettlementIndicator>
<Traceid_Message />
<Traceid_Original />
<Network_Transaction_ID />
<POS_Date_DE13 />
<Network_Currency_Conversion_Date />
<Network_TxnAmt_To_BillAmt_Rate />
<Network_TxnAmt_To_BaseAmt_Rate />
<Network_BaseAmt_To_BillAmt_Rate />
<Network_Original_Data_Elements_DE90 />
<Network_Replacement_Amounts_DE95 />
<Network_Issuer_Settle_ID />
<Visa_ResponseInfo_DE44 />
<Visa_POS_Data_DE60 />
<Visa_STIP_Reason_Code />
<Mastercard_AdviceReasonCode_DE60 />
<Misc_TLV_Data />
<Acquirer_Country />
<PaymentToken_PanSource />
<Network_Fraud_Data />
<SenderData />
<ReceiverData />
<AuthenticationCurrency />
<AuthenticationAmountUpper />
<AuthenticationMerchantHash />
<FxProviderCardholderRate />
</GetTransaction>
</s:Body>
</s:Envelope>Card Expiry Response
Below is an example of HTTP response to the above Card Expiry Advice message:
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<?xml version="1.0" encoding="utf-8"?>
<soap:Envelope xmlns:soap="http://schemas.xmlsoap.org/soap/envelope/" xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance" xmlns:xsd="http://www.w3.org/2001/XMLSchema">
<soap:Body>
<GetTransactionResponse xmlns="http://tempuri.org/">
<GetTransactionResult>
<Responsestatus>00</Responsestatus>
<CurBalance />
<AvlBalance />
<Acknowledgement>1</Acknowledgement>
<LoadAmount>0.00</LoadAmount>
</GetTransactionResult>
</GetTransactionResponse>
</soap:Body>
</soap:Envelope>
3.7.4 Example Tokenisation Messages
Below are examples of typical EHI messages sent during the process of provisioning and activating a payment token (digital PAN) for use on a mobile device or merchant website. For more information on tokenisation, refer to the Tokenisation Guide.
If you want to receive token type messages via EHI, please contact your Implementation Manager to enable this service.
Token Authorisation Requests (TAR) Request
Below is an example of the HTTP POST body data for a token authorisation request (TAR) notification. This message is sent when a token service provider requests authorisation from Thredd to set up a token.
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<?xml version="1.0" encoding="UTF-8"?>
<s:Envelope xmlns:s="http://schemas.xmlsoap.org/soap/envelope/">
<s:Body>
<GetTransaction xmlns="http://tempuri.org/">
<Acquirer_id_DE32>06001234</Acquirer_id_DE32>
<ActBal>0.0000</ActBal>
<Additional_Amt_DE54 />
<Amt_Tran_Fee_DE28 />
<Auth_Code_DE38>189206</Auth_Code_DE38>
<Avl_Bal>0.0000</Avl_Bal>
<Bill_Amt>0.0000</Bill_Amt>
<Bill_Ccy>826</Bill_Ccy>
<BlkAmt>0.0000</BlkAmt>
<Cust_Ref />
<FX_Pad>0.0000</FX_Pad>
<Fee_Fixed>0.0000</Fee_Fixed>
<Fee_Rate>0.0000</Fee_Rate>
<LoadSRC />
<LoadType />
<MCC_Code>6012</MCC_Code>
<MCC_Desc>Financial Institutions</MCC_Desc>
<MCC_Pad>0.0000</MCC_Pad>
<Merch_ID_DE42>400425000000001</Merch_ID_DE42>
<Merch_Name_DE43>Visa Tokenisation System Foster City US</Merch_Name_DE43>
<Note />
<POS_Data_DE22>0000</POS_Data_DE22>
<POS_Data_DE61 />
<POS_Termnl_DE41 />
<POS_Time_DE12 />
<Proc_Code>330000</Proc_Code>
<Resp_Code_DE39>00</Resp_Code_DE39>
<Ret_Ref_No_DE37>102300045678</Ret_Ref_No_DE37>
<Settle_Amt>0.0000</Settle_Amt>
<Settle_Ccy>826</Settle_Ccy>
<Status_Code>00</Status_Code>
<Token>123456789</Token>
<Trans_link>210318077635001234</Trans_link>
<Txn_Amt>0.0000</Txn_Amt>
<Txn_CCy>840</Txn_CCy>
<Txn_Ctry>GBR</Txn_Ctry>
<Txn_Desc>Visa Provisioning Service GB</Txn_Desc>
<Txn_GPS_Date>2021-03-18 15:08:14.650</Txn_GPS_Date>
<TXn_ID>1250779057</TXn_ID>
<Txn_Stat_Code>A</Txn_Stat_Code>
<TXN_Time_DE07>0318150814</TXN_Time_DE07>
<Txn_Type>A</Txn_Type>
<Additional_Data_DE48 />
<Authorised_by_GPS>Y</Authorised_by_GPS>
<AVS_Result>Y</AVS_Result>
<CU_Group>TST-CU-001</CU_Group>
<InstCode>TST</InstCode>
<MTID>0100</MTID>
<ProductID>5877</ProductID>
<Record_Data_DE120 />
<SubBIN>45967201</SubBIN>
<TLogIDOrg>0</TLogIDOrg>
<VL_Group>TST-VL-001</VL_Group>
<Dom_Fee_Fixed>0.0000</Dom_Fee_Fixed>
<Non_Dom_Fee_Fixed>0.0000</Non_Dom_Fee_Fixed>
<Fx_Fee_Fixed>0.0000</Fx_Fee_Fixed>
<Other_Fee_Amt>0.0000</Other_Fee_Amt>
<Fx_Fee_Rate>0.0000</Fx_Fee_Rate>
<Dom_Fee_Rate>0.0000</Dom_Fee_Rate>
<Non_Dom_Fee_Rate>0.0000</Non_Dom_Fee_Rate>
<Additional_Data_DE124 />
<CVV2 />
<Expiry_Date>2304</Expiry_Date>
<PAN_Sequence_Number />
<PIN />
<PIN_Enc_Algorithm />
<PIN_Format />
<PIN_Key_Index />
<SendingAttemptCount>0</SendingAttemptCount>
<source_bank_ctry />
<source_bank_account_format />
<source_bank_account />
<dest_bank_ctry />
<dest_bank_account_format />
<dest_bank_account />
<GPS_POS_Capability>0000000000000000000000000000000000100000000990010</GPS_POS_Capability>
<GPS_POS_Data>9908000800000Nx000</GPS_POS_Data>
<Acquirer_Reference_Data_031 />
<Response_Source />
<Response_Source_Why>0</Response_Source_Why>
<Message_Source />
<Message_Why>71</Message_Why>
<traceid_lifecycle>VIS1-20210318-381077544887139</traceid_lifecycle>
<PaymentToken_id>12365432</PaymentToken_id>
<PaymentToken_creator>VISA-T</PaymentToken_creator>
<PaymentToken_expdate />
<PaymentToken_type>SE</PaymentToken_type>
<PaymentToken_status>00</PaymentToken_status>
<PaymentToken_creatorStatus />
<PaymentToken_wallet>APPLE</PaymentToken_wallet>
<PaymentToken_deviceType>W</PaymentToken_deviceType>
<PaymentToken_lang>en</PaymentToken_lang>
<PaymentToken_deviceTelNum>447912345678</PaymentToken_deviceTelNum>
<PaymentToken_deviceIp>192.0.0.8</PaymentToken_deviceIp>
<PaymentToken_deviceId>01234B234C1230011230054848300695D86E17C703548A4A</PaymentToken_deviceId>
<PaymentToken_deviceName>Test Apple Wa</PaymentToken_deviceName>
<PaymentToken_activationCode />
<PaymentToken_activationExpiry />
<PaymentToken_activationMethodData />
<PaymentToken_activationMethod>0</PaymentToken_activationMethod>
<ICC_System_Related_Data_DE55 />
<Merch_Name>Visa Provisioning Service</Merch_Name>
<Merch_Street />
<Merch_City />
<Merch_Region />
<Merch_Postcode />
<Merch_Country>GBR</Merch_Country>
<Merch_Tel />
<Merch_URL />
<Merch_Name_Other />
<Merch_Net_id />
<Merch_Tax_id>0</Merch_Tax_id>
<Merch_Contact />
<auth_type />
<auth_expdate_utc />
<Matching_Txn_ID />
<Reason_ID />
<Dispute_Condition />
<Network_Chargeback_Reference_Id />
<Acquirer_Forwarder_ID />
<Currency_Code_Fee />
<Currency_Code_Fee_Settlement />
<Interchange_Amount_Fee />
<Interchange_Amount_Fee_Settlement />
<Clearing_Process_Date />
<Settlement_Date />
<DCC_Indicator />
<multi_part_txn />
<multi_part_txn_final />
<multi_part_number />
<multi_part_count />
<SettlementIndicator />
<Traceid_Message />
<Traceid_Original />
<Network_Transaction_ID />
<POS_Date_DE13 />
<Network_Currency_Conversion_Date />
<Network_TxnAmt_To_BillAmt_Rate />
<Network_TxnAmt_To_BaseAmt_Rate />
<Network_BaseAmt_To_BillAmt_Rate />
<Network_Original_Data_Elements_DE90 />
<Network_Replacement_Amounts_DE95 />
<Network_Issuer_Settle_ID />
<Visa_ResponseInfo_DE44 />
<Visa_POS_Data_DE60 />
<Visa_STIP_Reason_Code />
<Mastercard_AdviceReasonCode_DE60 />
<Misc_TLV_Data />
<Acquirer_Country />
<PaymentToken_PanSource />
<Network_Fraud_Data />
<SenderData />
<ReceiverData />
<AuthenticationCurrency />
<AuthenticationAmountUpper />
<AuthenticationMerchantHash />
<FxProviderCardholderRate />
</GetTransaction>
</s:Body>
</s:Envelope>
Token Authorisation Requests (TAR) Response
Below is an example of HTTP response to the above TAR advice message:
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<?xml version="1.0" encoding="utf-8"?>
<soap:Envelope xmlns:soap="http://schemas.xmlsoap.org/soap/envelope/" xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance" xmlns:xsd="http://www.w3.org/2001/XMLSchema">
<soap:Body>
<GetTransactionResponse xmlns="http://tempuri.org/">
<GetTransactionResult>
<Responsestatus>00</Responsestatus>
<CurBalance />
<AvlBalance />
<Acknowledgement>1</Acknowledgement>
<LoadAmount />
</GetTransactionResult>
</GetTransactionResponse>
</soap:Body>
</soap:Envelope>Token Event Notification (TEN) Request
Below is an example of the HTTP POST body data for a token completion notification (TEN). This message is sent when a token service provider notifies Thredd of a change to the token, for example: activation, status change or deletion.
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<?xml version="1.0" encoding="UTF-8"?>
<s:Envelope xmlns:s="http://schemas.xmlsoap.org/soap/envelope/">
<s:Body>
<GetTransaction xmlns="http://tempuri.org/">
<Acquirer_id_DE32 />
<ActBal>0.0000</ActBal>
<Additional_Amt_DE54 />
<Amt_Tran_Fee_DE28 />
<Auth_Code_DE38 />
<Avl_Bal>0.0000</Avl_Bal>
<Bill_Amt>0.0000</Bill_Amt>
<Bill_Ccy>826</Bill_Ccy>
<BlkAmt>0.0000</BlkAmt>
<Cust_Ref />
<FX_Pad>0.0000</FX_Pad>
<Fee_Fixed>0.0000</Fee_Fixed>
<Fee_Rate>0.0000</Fee_Rate>
<LoadSRC />
<LoadType />
<MCC_Code />
<MCC_Desc />
<MCC_Pad>0.0000</MCC_Pad>
<Merch_ID_DE42>VisaTokenSystem</Merch_ID_DE42>
<Merch_Name_DE43>Visa Tokenisation System Foster City US</Merch_Name_DE43>
<Note>Success:</Note>
<POS_Data_DE22>1000</POS_Data_DE22>
<POS_Data_DE61 />
<POS_Termnl_DE41 />
<POS_Time_DE12 />
<Proc_Code>360000</Proc_Code>
<Resp_Code_DE39>00</Resp_Code_DE39>
<Ret_Ref_No_DE37>102300045678</Ret_Ref_No_DE37>
<Settle_Amt>0.0000</Settle_Amt>
<Settle_Ccy />
<Status_Code>00</Status_Code>
<Token>123456789</Token>
<Trans_link>210318077635</Trans_link>
<Txn_Amt>0.0000</Txn_Amt>
<Txn_CCy>840</Txn_CCy>
<Txn_Ctry>USA</Txn_Ctry>
<Txn_Desc>Visa Tokenisation System</Txn_Desc>
<Txn_GPS_Date>2021-03-18 15:08:15.223</Txn_GPS_Date>
<TXn_ID>1250779094</TXn_ID>
<Txn_Stat_Code>A</Txn_Stat_Code>
<TXN_Time_DE07>0318150814</TXN_Time_DE07>
<Txn_Type>J</Txn_Type>
<Additional_Data_DE48 />
<Authorised_by_GPS>N</Authorised_by_GPS>
<AVS_Result />
<CU_Group />
<InstCode>RAI</InstCode>
<MTID>0620</MTID>
<ProductID>5877</ProductID>
<Record_Data_DE120 />
<SubBIN>45967201</SubBIN>
<TLogIDOrg>0</TLogIDOrg>
<VL_Group />
<Dom_Fee_Fixed>0.0000</Dom_Fee_Fixed>
<Non_Dom_Fee_Fixed>0.0000</Non_Dom_Fee_Fixed>
<Fx_Fee_Fixed>0.0000</Fx_Fee_Fixed>
<Other_Fee_Amt>0.0000</Other_Fee_Amt>
<Fx_Fee_Rate>0.0000</Fx_Fee_Rate>
<Dom_Fee_Rate>0.0000</Dom_Fee_Rate>
<Non_Dom_Fee_Rate>0.0000</Non_Dom_Fee_Rate>
<Additional_Data_DE124 />
<CVV2 />
<Expiry_Date>2304</Expiry_Date>
<PAN_Sequence_Number />
<PIN />
<PIN_Enc_Algorithm />
<PIN_Format />
<PIN_Key_Index />
<SendingAttemptCount>0</SendingAttemptCount>
<source_bank_ctry />
<source_bank_account_format />
<source_bank_account />
<dest_bank_ctry />
<dest_bank_account_format />
<dest_bank_account />
<GPS_POS_Capability>000100000000000000000000000000000000000000000001M</GPS_POS_Capability>
<GPS_POS_Data>10F0000000000Nx000</GPS_POS_Data>
<Acquirer_Reference_Data_031 />
<Response_Source>UNKNOWN</Response_Source>
<Response_Source_Why>0</Response_Source_Why>
<Message_Source>VISA-T</Message_Source>
<Message_Why>71</Message_Why>
<traceid_lifecycle>VIS1-20210318-381077544887139</traceid_lifecycle>
<PaymentToken_id>12365432</PaymentToken_id>
<PaymentToken_creator>VISA-T</PaymentToken_creator>
<PaymentToken_expdate>2023-12-31</PaymentToken_expdate>
<PaymentToken_type>SE</PaymentToken_type>
<PaymentToken_status>00</PaymentToken_status>
<PaymentToken_creatorStatus>A</PaymentToken_creatorStatus>
<PaymentToken_wallet>APPLE</PaymentToken_wallet>
<PaymentToken_deviceType>W</PaymentToken_deviceType>
<PaymentToken_lang>en</PaymentToken_lang>
<PaymentToken_deviceTelNum>47912345678</PaymentToken_deviceTelNum>
<PaymentToken_deviceIp>192.0.0.8</PaymentToken_deviceIp>
<PaymentToken_deviceId>01234B234C1230011230054848300695D86E17C703548A4A</PaymentToken_deviceId>
<PaymentToken_deviceName>Test Apple Wa</PaymentToken_deviceName>
<PaymentToken_activationCode />
<PaymentToken_activationExpiry />
<PaymentToken_activationMethodData />
<PaymentToken_activationMethod>0</PaymentToken_activationMethod>
<ICC_System_Related_Data_DE55 />
<Merch_Name>Visa Tokenisation System</Merch_Name>
<Merch_Street />
<Merch_City>Test City</Merch_City>
<Merch_Region>TA</Merch_Region>
<Merch_Postcode>12345</Merch_Postcode>
<Merch_Country>USA</Merch_Country>
<Merch_Tel />
<Merch_URL />
<Merch_Name_Other />
<Merch_Net_id />
<Merch_Tax_id>0</Merch_Tax_id>
<Merch_Contact />
<auth_type />
<auth_expdate_utc />
<Matching_Txn_ID />
<Reason_ID />
<Dispute_Condition />
<Network_Chargeback_Reference_Id />
<Acquirer_Forwarder_ID />
<Currency_Code_Fee />
<Currency_Code_Fee_Settlement />
<Interchange_Amount_Fee />
<Interchange_Amount_Fee_Settlement />
<Clearing_Process_Date />
<Settlement_Date />
<DCC_Indicator />
<multi_part_txn />
<multi_part_txn_final />
<multi_part_number />
<multi_part_count />
<SettlementIndicator />
<Traceid_Message />
<Traceid_Original />
<Network_Transaction_ID />
<POS_Date_DE13 />
<Network_Currency_Conversion_Date />
<Network_TxnAmt_To_BillAmt_Rate />
<Network_TxnAmt_To_BaseAmt_Rate />
<Network_BaseAmt_To_BillAmt_Rate />
<Network_Original_Data_Elements_DE90 />
<Network_Replacement_Amounts_DE95 />
<Network_Issuer_Settle_ID />
<Visa_ResponseInfo_DE44 />
<Visa_POS_Data_DE60 />
<Visa_STIP_Reason_Code />
<Mastercard_AdviceReasonCode_DE60 />
<Misc_TLV_Data />
<Acquirer_Country />
<PaymentToken_PanSource />
<Network_Fraud_Data />
<SenderData />
<ReceiverData />
</GetTransaction>
</s:Body>
</s:Envelope>Activation Code Notification (ACN) Request
Below is an example of the HTTP POST body data for a token Activation Code Network notification (ACN). This message contains the One-Time Password (OTP) used to verify the cardholder.
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<?xml version="1.0" encoding="UTF-8"?>
<s:Envelope xmlns:s="http://schemas.xmlsoap.org/soap/envelope/">
<s:Body>
<GetTransaction xmlns="http://tempuri.org/">
<Acquirer_id_DE32>06423378</Acquirer_id_DE32>
<ActBal>0.0000</ActBal>
<Additional_Amt_DE54 />
<Amt_Tran_Fee_DE28 />
<Auth_Code_DE38 />
<Avl_Bal>0.0000</Avl_Bal>
<Bill_Amt>0.0000</Bill_Amt>
<Bill_Ccy />
<BlkAmt>0.0000</BlkAmt>
<Cust_Ref />
<FX_Pad>0.0000</FX_Pad>
<Fee_Fixed>0.0000</Fee_Fixed>
<Fee_Rate>0.0000</Fee_Rate>
<LoadSRC />
<LoadType />
<MCC_Code>6012</MCC_Code>
<MCC_Desc />
<MCC_Pad>0.0000</MCC_Pad>
<Merch_ID_DE42>VisaTokenSystem</Merch_ID_DE42>
<Merch_Name_DE43>Visa Tokenisation System Foster City US</Merch_Name_DE43>
<Note>Sent VDEP API Token Activation 123456758473.</Note>
<POS_Data_DE22 />
<POS_Data_DE61 />
<POS_Termnl_DE41>VDEP_API</POS_Termnl_DE41>
<POS_Time_DE12 />
<Proc_Code>340000</Proc_Code>
<Resp_Code_DE39 />
<Ret_Ref_No_DE37>11107115</Ret_Ref_No_DE37>
<Settle_Amt>0.0000</Settle_Amt>
<Settle_Ccy />
<Status_Code>00</Status_Code>
<Token>123045451</Token>
<Trans_link>210316107115423378</Trans_link>
<Txn_Amt>0.0000</Txn_Amt>
<Txn_CCy />
<Txn_Ctry>USA</Txn_Ctry>
<Txn_Desc>Visa Tokenisation System</Txn_Desc>
<Txn_GPS_Date>2021-03-16 14:47:00.837</Txn_GPS_Date>
<TXn_ID>1234595471</TXn_ID>
<Txn_Stat_Code>A</Txn_Stat_Code>
<TXN_Time_DE07>0101120000</TXN_Time_DE07>
<Txn_Type>J</Txn_Type>
<Additional_Data_DE48>VDEP API Token Activation, 'x-request-id='a2019024-d477-42b5-a0d3-1a1a54681502</Additional_Data_DE48>
<Authorised_by_GPS>N</Authorised_by_GPS>
<AVS_Result />
<CU_Group />
<InstCode>ABC</InstCode>
<MTID>0120</MTID>
<ProductID>5877</ProductID>
<Record_Data_DE120 />
<SubBIN>45678901</SubBIN>
<TLogIDOrg>0</TLogIDOrg>
<VL_Group />
<Dom_Fee_Fixed>0.0000</Dom_Fee_Fixed>
<Non_Dom_Fee_Fixed>0.0000</Non_Dom_Fee_Fixed>
<Fx_Fee_Fixed>0.0000</Fx_Fee_Fixed>
<Other_Fee_Amt>0.0000</Other_Fee_Amt>
<Fx_Fee_Rate>0.0000</Fx_Fee_Rate>
<Dom_Fee_Rate>0.0000</Dom_Fee_Rate>
<Non_Dom_Fee_Rate>0.0000</Non_Dom_Fee_Rate>
<Additional_Data_DE124 />
<CVV2 />
<Expiry_Date>0</Expiry_Date>
<PAN_Sequence_Number />
<PIN />
<PIN_Enc_Algorithm />
<PIN_Format />
<PIN_Key_Index />
<SendingAttemptCount>0</SendingAttemptCount>
<source_bank_ctry />
<source_bank_account_format />
<source_bank_account />
<dest_bank_ctry />
<dest_bank_account_format />
<dest_bank_account />
<GPS_POS_Capability>0000000010010000100000000000000000100000000001100</GPS_POS_Capability>
<GPS_POS_Data>10 0 0 00 000</GPS_POS_Data>
<Acquirer_Reference_Data_031 />
<Response_Source />
<Response_Source_Why>0</Response_Source_Why>
<Message_Source>VISA-T</Message_Source>
<Message_Why>0</Message_Why>
<traceid_lifecycle>VDEP a2019024-d477-42b5-a0d3-1a1a54681502</traceid_lifecycle>
<PaymentToken_id>26623376</PaymentToken_id>
<PaymentToken_creator>VISA-T</PaymentToken_creator>
<PaymentToken_expdate>2023-12-31</PaymentToken_expdate>
<PaymentToken_type>SE</PaymentToken_type>
<PaymentToken_status>00</PaymentToken_status>
<PaymentToken_creatorStatus>I</PaymentToken_creatorStatus>
<PaymentToken_wallet>APPLE</PaymentToken_wallet>
<PaymentToken_deviceType>M</PaymentToken_deviceType>
<PaymentToken_lang>en</PaymentToken_lang>
<PaymentToken_deviceTelNum>37065031123</PaymentToken_deviceTelNum>
<PaymentToken_deviceIp>090.131.038.249</PaymentToken_deviceIp>
<PaymentToken_deviceId>01234B1B2357800192920701362030300E3F0970A8CDBDA2</PaymentToken_deviceId>
<PaymentToken_deviceName>Test</PaymentToken_deviceName>
<PaymentToken_activationCode>REDACTED</PaymentToken_activationCode>
<PaymentToken_activationExpiry>2021-03-16 15:17:00.000</PaymentToken_activationExpiry>
<PaymentToken_activationMethodData />
<PaymentToken_activationMethod>1</PaymentToken_activationMethod>
<ICC_System_Related_Data_DE55 />
<Merch_Name>Visa Tokenisation System</Merch_Name>
<Merch_Street />
<Merch_City>Test City</Merch_City>
<Merch_Region />
<Merch_Postcode />
<Merch_Country>USA</Merch_Country>
<Merch_Tel />
<Merch_URL />
<Merch_Name_Other />
<Merch_Net_id />
<Merch_Tax_id>0</Merch_Tax_id>
<Merch_Contact />
<auth_type />
<auth_expdate_utc />
<Matching_Txn_ID />
<Reason_ID />
<Dispute_Condition />
<Network_Chargeback_Reference_Id />
<Acquirer_Forwarder_ID />
<Currency_Code_Fee />
<Currency_Code_Fee_Settlement />
<Interchange_Amount_Fee />
<Interchange_Amount_Fee_Settlement />
<Clearing_Process_Date />
<Settlement_Date />
<DCC_Indicator />
<multi_part_txn />
<multi_part_txn_final />
<multi_part_number />
<multi_part_count />
<SettlementIndicator />
<Traceid_Message />
<Traceid_Original />
<Network_Transaction_ID />
<POS_Date_DE13 />
<Network_Currency_Conversion_Date />
<Network_TxnAmt_To_BillAmt_Rate />
<Network_TxnAmt_To_BaseAmt_Rate />
<Network_BaseAmt_To_BillAmt_Rate />
<Network_Original_Data_Elements_DE90 />
<Network_Replacement_Amounts_DE95 />
<Network_Issuer_Settle_ID />
<Visa_ResponseInfo_DE44 />
<Visa_POS_Data_DE60 />
<Visa_STIP_Reason_Code />
<Mastercard_AdviceReasonCode_DE60 />
<Misc_TLV_Data />
<Acquirer_Country />
<PaymentToken_PanSource />
<Network_Fraud_Data />
<SenderData />
<ReceiverData />
</GetTransaction>
</s:Body>
</s:Envelope>Token Complete Notification (TCN) Request
Below is an example of the HTTP POST body data for a token completion notification (TCN). This message is sent when a token service provider confirms successful setup of the token.
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<?xml version="1.0" encoding="UTF-8"?>
<s:Envelope xmlns:s="http://schemas.xmlsoap.org/soap/envelope/">
<s:Body>
<GetTransaction xmlns="http://tempuri.org/">
<Acquirer_id_DE32 />
<ActBal>0.0000</ActBal>
<Additional_Amt_DE54 />
<Amt_Tran_Fee_DE28 />
<Auth_Code_DE38 />
<Avl_Bal>0.0000</Avl_Bal>
<Bill_Amt>0.0000</Bill_Amt>
<Bill_Ccy>826</Bill_Ccy>
<BlkAmt>0.0000</BlkAmt>
<Cust_Ref />
<FX_Pad>0.0000</FX_Pad>
<Fee_Fixed>0.0000</Fee_Fixed>
<Fee_Rate>0.0000</Fee_Rate>
<LoadSRC />
<LoadType />
<MCC_Code />
<MCC_Desc />
<MCC_Pad>0.0000</MCC_Pad>
<Merch_ID_DE42>VisaTokenSystem</Merch_ID_DE42>
<Merch_Name_DE43>Visa Tokenisation System Foster City US</Merch_Name_DE43>
<Note>Provisioning Successful</Note>
<POS_Data_DE22>1000</POS_Data_DE22>
<POS_Data_DE61 />
<POS_Termnl_DE41 />
<POS_Time_DE12 />
<Proc_Code>350000</Proc_Code>
<Resp_Code_DE39>00</Resp_Code_DE39>
<Ret_Ref_No_DE37>102300045678</Ret_Ref_No_DE37>
<Settle_Amt>0.0000</Settle_Amt>
<Settle_Ccy />
<Status_Code>00</Status_Code>
<Token>123456789</Token>
<Trans_link>210318083533</Trans_link>
<Txn_Amt>0.0000</Txn_Amt>
<Txn_CCy>840</Txn_CCy>
<Txn_Ctry>USA</Txn_Ctry>
<Txn_Desc>Visa Tokenisation System</Txn_Desc>
<Txn_GPS_Date>2021-03-18 15:08:23.250</Txn_GPS_Date>
<TXn_ID>1250779618</TXn_ID>
<Txn_Stat_Code>A</Txn_Stat_Code>
<TXN_Time_DE07>0318150821</TXN_Time_DE07>
<Txn_Type>J</Txn_Type>
<Additional_Data_DE48 />
<Authorised_by_GPS>N</Authorised_by_GPS>
<AVS_Result />
<CU_Group />
<InstCode>RAI</InstCode>
<MTID>0620</MTID>
<ProductID>5877</ProductID>
<Record_Data_DE120 />
<SubBIN>45967201</SubBIN>
<TLogIDOrg>0</TLogIDOrg>
<VL_Group />
<Dom_Fee_Fixed>0.0000</Dom_Fee_Fixed>
<Non_Dom_Fee_Fixed>0.0000</Non_Dom_Fee_Fixed>
<Fx_Fee_Fixed>0.0000</Fx_Fee_Fixed>
<Other_Fee_Amt>0.0000</Other_Fee_Amt>
<Fx_Fee_Rate>0.0000</Fx_Fee_Rate>
<Dom_Fee_Rate>0.0000</Dom_Fee_Rate>
<Non_Dom_Fee_Rate>0.0000</Non_Dom_Fee_Rate>
<Additional_Data_DE124 />
<CVV2 />
<Expiry_Date>0</Expiry_Date>
<PAN_Sequence_Number />
<PIN />
<PIN_Enc_Algorithm />
<PIN_Format />
<PIN_Key_Index />
<SendingAttemptCount>0</SendingAttemptCount>
<source_bank_ctry />
<source_bank_account_format />
<source_bank_account />
<dest_bank_ctry />
<dest_bank_account_format />
<dest_bank_account />
<GPS_POS_Capability>000100000000000000000000000000000000000000000001M</GPS_POS_Capability>
<GPS_POS_Data>10F0000000000Nx000</GPS_POS_Data>
<Acquirer_Reference_Data_031 />
<Response_Source>UNKNOWN</Response_Source>
<Response_Source_Why>0</Response_Source_Why>
<Message_Source>VISA-T</Message_Source>
<Message_Why>72</Message_Why>
<traceid_lifecycle>VIS1-20210318-381077544887139</traceid_lifecycle>
<PaymentToken_id>12365432</PaymentToken_id>
<PaymentToken_creator>VISA-T</PaymentToken_creator>
<PaymentToken_expdate>2023-12-31</PaymentToken_expdate>
<PaymentToken_type>SE</PaymentToken_type>
<PaymentToken_status>00</PaymentToken_status>
<PaymentToken_creatorStatus>A</PaymentToken_creatorStatus>
<PaymentToken_wallet>APPLE</PaymentToken_wallet>
<PaymentToken_deviceType>W</PaymentToken_deviceType>
<PaymentToken_lang>en</PaymentToken_lang>
<PaymentToken_deviceTelNum>47912345678</PaymentToken_deviceTelNum>
<PaymentToken_deviceIp>192.0.0.8</PaymentToken_deviceIp>
<PaymentToken_deviceId>01234B234C1230011230054848300695D86E17C703548A4A</PaymentToken_deviceId>
<PaymentToken_deviceName>Test Apple Wa</PaymentToken_deviceName>
<PaymentToken_activationCode />
<PaymentToken_activationExpiry />
<PaymentToken_activationMethodData />
<PaymentToken_activationMethod>0</PaymentToken_activationMethod>
<ICC_System_Related_Data_DE55 />
<Merch_Name>Visa Tokenisation System</Merch_Name>
<Merch_Street />
<Merch_City>Test City</Merch_City>
<Merch_Region>TA</Merch_Region>
<Merch_Postcode>12345</Merch_Postcode>
<Merch_Country>USA</Merch_Country>
<Merch_Tel />
<Merch_URL />
<Merch_Name_Other />
<Merch_Net_id />
<Merch_Tax_id>0</Merch_Tax_id>
<Merch_Contact />
<auth_type />
<auth_expdate_utc />
<Matching_Txn_ID />
<Reason_ID />
<Dispute_Condition />
<Network_Chargeback_Reference_Id />
<Acquirer_Forwarder_ID />
<Currency_Code_Fee />
<Currency_Code_Fee_Settlement />
<Interchange_Amount_Fee />
<Interchange_Amount_Fee_Settlement />
<Clearing_Process_Date />
<Settlement_Date />
<DCC_Indicator />
<multi_part_txn />
<multi_part_txn_final />
<multi_part_number />
<multi_part_count />
<SettlementIndicator />
<Traceid_Message />
<Traceid_Original />
<Network_Transaction_ID />
<POS_Date_DE13 />
<Network_Currency_Conversion_Date />
<Network_TxnAmt_To_BillAmt_Rate />
<Network_TxnAmt_To_BaseAmt_Rate />
<Network_BaseAmt_To_BillAmt_Rate />
<Network_Original_Data_Elements_DE90 />
<Network_Replacement_Amounts_DE95 />
<Network_Issuer_Settle_ID />
<Visa_ResponseInfo_DE44 />
<Visa_POS_Data_DE60 />
<Visa_STIP_Reason_Code />
<Mastercard_AdviceReasonCode_DE60 />
<Misc_TLV_Data />
<Acquirer_Country />
<PaymentToken_PanSource />
<Network_Fraud_Data />
<SenderData />
<ReceiverData />
</GetTransaction>
</s:Body>
</s:Envelope>3.7.5 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
<s:Envelope
xmlns:s="http://schemas.xmlsoap.org/soap/envelope/">
<s:Body>
<GetTransaction
xmlns="http://tempuri.org/">
<Acquirer_id_DE32>06462469</Acquirer_id_DE32>
<ActBal>0.0000</ActBal>
<Additional_Amt_DE54 />
<Amt_Tran_Fee_DE28 />
<Auth_Code_DE38>169350</Auth_Code_DE38>
<Avl_Bal>0.0000</Avl_Bal>
<Bill_Amt>0.0000</Bill_Amt>
<Bill_Ccy>978</Bill_Ccy>
<BlkAmt>0.0000</BlkAmt>
<Cust_Ref />
<FX_Pad>0.0000</FX_Pad>
<Fee_Fixed>0.0000</Fee_Fixed>
<Fee_Rate>0.0000</Fee_Rate>
<LoadSRC />
<LoadType />
<MCC_Code>6011</MCC_Code>
<MCC_Desc>Automated Cash Disburse</MCC_Desc>
<MCC_Pad>0.0000</MCC_Pad>
<Merch_ID_DE42>12345678</Merch_ID_DE42>
<Merch_Name_DE43>GELDMAAT UTRECHTSESTRAAT AMERSFOORT NL</Merch_Name_DE43>
<Note>PSD2 Counter Reset</Note>
<POS_Data_DE22>0510</POS_Data_DE22>
<POS_Data_DE61 />
<POS_Termnl_DE41>812902</POS_Termnl_DE41>
<POS_Time_DE12>145115</POS_Time_DE12>
<Proc_Code>300000</Proc_Code>
<Resp_Code_DE39>00</Resp_Code_DE39>
<Ret_Ref_No_DE37>424714827917</Ret_Ref_No_DE37>
<Settle_Amt>0.0000</Settle_Amt>
<Settle_Ccy>978</Settle_Ccy>
<Status_Code>00</Status_Code>
<Token>312587809</Token>
<Trans_link>240903827917462469</Trans_link>
<Txn_Amt>0.0000</Txn_Amt>
<Txn_CCy>978</Txn_CCy>
<Txn_Ctry>NLD</Txn_Ctry>
<Txn_Desc>GELDMAAT UTRECHTSESTRAAT AMERSFOORT NL</Txn_Desc>
<Txn_GPS_Date>2024-09-03 13:51:31.548</Txn_GPS_Date>
<TXn_ID>14799013605</TXn_ID>
<Txn_Stat_Code>A</Txn_Stat_Code>
<TXN_Time_DE07>0903125131</TXN_Time_DE07>
<Txn_Type>A</Txn_Type>
<Additional_Data_DE48 />
<Authorised_by_GPS>N</Authorised_by_GPS>
<AVS_Result />
<CU_Group>PMT-CU-001</CU_Group>
<InstCode>PMT</InstCode>
<MTID>0100</MTID>
<ProductID>15385</ProductID>
<Record_Data_DE120 />
<SubBIN>46975400</SubBIN>
<TLogIDOrg>0</TLogIDOrg>
<VL_Group>PMT-YS-010</VL_Group>
<Dom_Fee_Fixed>0.0000</Dom_Fee_Fixed>
<Non_Dom_Fee_Fixed>0.0000</Non_Dom_Fee_Fixed>
<Fx_Fee_Fixed>0.0000</Fx_Fee_Fixed>
<Other_Fee_Amt>0.0000</Other_Fee_Amt>
<Fx_Fee_Rate>0.0000</Fx_Fee_Rate>
<Dom_Fee_Rate>0.0000</Dom_Fee_Rate>
<Non_Dom_Fee_Rate>0.0000</Non_Dom_Fee_Rate>
<Additional_Data_DE124 />
<CVV2 />
<Expiry_Date />
<PAN_Sequence_Number />
<PIN>0</PIN>
<PIN_Enc_Algorithm />
<PIN_Format />
<PIN_Key_Index />
<SendingAttemptCount>0</SendingAttemptCount>
<source_bank_ctry />
<source_bank_account_format />
<source_bank_account />
<dest_bank_ctry />
<dest_bank_account_format />
<dest_bank_account />
<GPS_POS_Capability>00001001000000000000000100010010000000000011130CA</GPS_POS_Capability>
<GPS_POS_Data>0151000300000Nx0002110NC0NCUXXU0</GPS_POS_Data>
<Acquirer_Reference_Data_031 />
<Response_Source />
<Response_Source_Why>0</Response_Source_Why>
<Message_Source />
<Message_Why>0</Message_Why>
<traceid_lifecycle>VIS1-20240903-484247462919598</traceid_lifecycle>
<Balance_Sequence>0</Balance_Sequence>
<Balance_Sequence_Exthost>0</Balance_Sequence_Exthost>
<PaymentToken_id />
<PaymentToken_creator />
<PaymentToken_expdate />
<PaymentToken_type />
<PaymentToken_status />
<PaymentToken_creatorStatus />
<PaymentToken_wallet />
<PaymentToken_deviceType />
<PaymentToken_lang />
<PaymentToken_deviceTelNum />
<PaymentToken_deviceIp />
<PaymentToken_deviceId />
<PaymentToken_deviceName />
<PaymentToken_activationCode />
<PaymentToken_activationExpiry />
<PaymentToken_activationMethodData />
<PaymentToken_activationMethod />
<ICC_System_Related_Data_DE55>5F3401009F2701809F34034201009F410268189F3303604020950580800400009F37043D2D34D09F100706001203A020019F26082D44EBEDF681E2939F3602009E820238009C01309F1A0205289A032409039F02060000000000005F2A0209788407A0000000031010</ICC_System_Related_Data_DE55>
<Merch_Name>12345678</Merch_Name>
<Merch_Street>GELDMAAT UTRECHTSESTRAAT</Merch_Street>
<Merch_City>AMERSFOORT</Merch_City>
<Merch_Region />
<Merch_Postcode />
<Merch_Country>NLD</Merch_Country>
<Merch_Tel />
<Merch_URL />
<Merch_Name_Other />
<Merch_Net_id />
<Merch_Tax_id />
<Merch_Contact />
</GetTransaction>
</s:Body>
</s:Envelope>Message Response
Below is an example of HTTP response to the above balance enquiry message.
Copy
<s:Envelope
xmlns:s="http://schemas.xmlsoap.org/soap/envelope/">
<s:Body>
<GetTransactionResponse
xmlns="http://tempuri.org/">
<GetTransactionResult>
<Responsestatus>00</Responsestatus>
<CurBalance>69.6300</CurBalance>
<AvlBalance>66.8200</AvlBalance>
<Acknowledgement>1</Acknowledgement>
</GetTransactionResult>
</GetTransactionResponse>
</s:Body>
</s:Envelope>3.7.6 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 |
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 Smart Client) or a web service / 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