Request & Response Codes

Product ID (cardProductId)

Code Description Code Description
A Visa Traditional M MasterCard
AX American Express N Visa Platinum
B Visa Traditional Rewards N1 Visa Rewards
C Visa Signature N2 Visa Select
D Visa Signature Preferred P Visa Gold
DI Discover Q Private Label
DN Diners Q1 Private Label Prepaid
E Proprietary ATM Q2 Private Label Basic
F Visa Classic Q3 Private Label Standard
G Visa Business Q4 Private Label Enhanced
G1 Visa Signature Business Q5 Private Label Specialized
G2 Visa Business Check Card Q6 Private Label Premium
G3 Visa Business Enhanced R Proprietary
G4 Visa Infinite Business S Visa Purchasing
G5 Visa Business Rewards S1 Visa Purchasing with Fleet
I Visa Infinite S2 Visa Government Purchasing
I1 Visa Infinite Privilege S3 Visa Government Purchasing with Fleet
I2 Visa UHNW S4 Visa Commercial Agriculture
J3 Visa Healthcare S5 Visa Commercial Transport
JC JCB S6 Visa Commercial Marketplace
K Visa Corporate T&E U Visa Travel Money
K1 Visa Government Corporate T&E V Visa V PAY
L Visa Electron

Product Sub-Type (cardProductSubtype)

Code Description Code Description
AC Agriculture Maintenance Account LP Visa Large Purchase Advantage
AE Agriculture Debit Account/Electron MA Visa Mobile Agent
AG Agriculture MB Interoperable Mobile Branchless Banking
AI Agriculture Investment Loan MG Visa Mobile General
CG Brazil Cargo VA Visa Vale - Supermarket
CS Construction VF Visa Vale - Fuel
DS Distribution VR Visa Vale - Restaurant
HC Healthcare

Card Type (cardTypeCode)

Code Description Code Description
C Credit P Prepaid
D Debit R Deferred Debit
H Charge Card

Card Sub-Type

Code Description Code Description
N Non-Reloadable R Reloadable

ISO Country Codes

Country Name Country Code (2-char.) Country Code (3-char.) Country Code (numeric) Phone Calling Code
Afghanistan AF AFG 4 93
Albania AL ALB 8 355
Algeria DZ DZA 12 213
American Samoa AS ASM 16 684
Andorra AD AND 20 376
Angola AO AGO 24 244
Anguilla AI AIA 660 264
Antarctica AQ ATA 10 N/A
Antigua and Barbuda AG ATG 28 268
Argentina AR ARG 32 54
Armenia AM ARM 51 374
Aruba AW ABW 533 297
Australia AU AUS 36 61
Austria AT AUT 40 43
Azerbaijan AZ AZE 31 994
Bahamas BS BHS 44 242
Bahrain BH BHR 48 973
Bangladesh BD BGD 50 880
Barbados BB BRB 52 246
Belarus BY BLR 112 375
Belgium BE BEL 56 32
Belize BZ BLZ 84 501
Benin BJ BEN 204 229
Bermuda BM BMU 60 441
Bhutan BT BTN 64 975
Bolivia BO BOL 68 591
Bonaire, Sint Eustatius, and Saba BQ BES 535 599
Bosnia and Herzegovina BA BIH 70 387
Botswana BW BWA 72 267
Bouvet Island BV BVT 74 N/A
Brazil BR BRA 76 55
British Indian Ocean Territory IO IOT 86 246
British Virgin Islands VG VGB 92 1
Brunei Darussalam BN BRN 96 673
Bulgaria BG BGR 100 359
Burkina Faso BF BFA 854 226
Burundi BI BDI 108 257
Cambodia KH KHM 116 855
Cameroon, United Republic of CM CMR 120 237
Canada CA CAN 124 1
Cape Verde Island CV CPV 132 238
Cayman Islands KY CYM 136 345
Central African Republic CF CAF 140 236
Chad TD TCD 148 235
Chile CL CHL 152 56
China CN CHN 156 86
Christmas Island CX CXR 162 61
Cocos (Keeling) Islands CC CCK 166 61
Colombia CO COL 170 57
Comoros KM COM 174 269
Congo CG COG 178 242
Cook Islands CK COK 184 682
Costa Rica CR CRI 188 506
Côte d'Ivoire (Ivory Coast) CI CIV 384 N/A
Croatia HR HRV 191 385
Cuba CU CUB 192 53
Curaçao CW CUW 531 599
Cyprus CY CYP 196 357
Czech Republic CZ CZE 203 420
Democratic Republic of the Congo CD COD 180 243
Denmark DK DNK 208 45
Djibouti DJ DJI 262 253
Dominica DM DMA 212 767
Dominican Republic DO DOM 214 809
Ecuador EC ECU 218 593
Egypt EG EGY 818 20
El Salvador SV SLV 222 503
Equatorial Guinea GQ GNQ 226 240
Eritrea ER ERI 232 291
Estonia EE EST 233 372
Eswatini SZ SWZ 748 268
Ethiopia ET ETH 231 251
Falkland Islands (Malvinas) FK FLK 238 500
Faroe Islands FO FRO 234 298
Fiji FJ FJI 242 679
Finland FI FIN 246 358
France FR FRA 250 33
France,Metropolitan FX FXX 249 N/A
French Guiana GF GUF 254 594
French Polynesia PF PYF 258 689
French Southern Territories TF ATF 260 N/A
Gabon GA GAB 266 241
Gambia GM GMB 270 220
Georgia GE GEO 268 995
Germany DE DEU 276 49
Ghana GH GHA 288 233
Gibralter GI GIB 292 350
Greece GR GRC 300 30
Greenland GL GRL 304 299
Grenada GD GRD 308 473
Guadeloupe GP GLP 312 590
Guam GU GUM 316 671
Guatemala GT GTM 320 502
Guinea GN GIN 324 224
Guinea-Bissau GW GNB 624 245
Guyana GY GUY 328 592
Haiti HT HTI 332 509
Heard and McDonald Islands HM HMD 334 N/A
Holy See (Vatican City State) VA VAT 336 373
Honduras HN HND 340 504
Hong Kong HK HKG 344 852
Hungary HU HUN 348 36
Iceland IS ISL 352 354
India IN IND 356 91
Indonesia ID IDN 360 62
Iran, Islamic Republic of IR IRN 364 98
Iraq IQ IRQ 368 964
Ireland, Republic of IE IRL 372 353
Isle of Man IM IMN 833 44-1624
Israel IL ISR 376 972
Italy IT ITA 380 39
Jamaica JM JAM 388 876
Japan JP JPN 392 81
Jordan JO JOR 400 962
Kazakhstan KZ KAZ 398 7
Kenya KE KEN 404 254
Kiribati KI KIR 296 686
Korea, Republic of KR KOR 410 82
Korea, Democratic People's Republic of KP PRK 408 850
Kuwait KW KWT 414 965
Kyrgyzstan KG KGZ 417 996
Laos LA LAO 418 856
Latvia LV LVA 428 371
Lebanon LB LBN 422 961
Lesotho LS LSO 426 266
Liberia LR LBR 430 231
Libya LY LBY 434 218
Liechtenstein LI LIE 438 423
Lithuania LT LTU 440 370
Luxembourg LU LUX 442 352
Macau MO MAC 446 853
North Macedonia MK MKD 807 389
Madagascar MG MDG 450 261
Malawi MW MWI 454 265
Malaysia MY MYS 458 60
Maldives MV MDV 462 960
Mali ML MLI 466 223
Malta MT MLT 470 356
Marshall Islands MH MHL 584 692
Martinique MQ MTQ 474 596
Mauritania MR MRT 478 222
Mauritius MU MUS 480 230
Mayotte YT MYT 175 262
Mexico MX MEX 484 52
Micronesia FM FSM 583 691
Moldova, Republic of MD MDA 498 373
Monaco MC MCO 492 377
Mongolia MN MNG 496 976
Montenegro ME MNE 499 382
Montserrat
MS MSR 500 1
Morocco MA MAR 504 212
Mozambique MZ MOZ 508 258
Myanmar MM MMR 104 95
Namibia NA NAM 516 264
Nauru NR NRU 520 674
Nepal NP NPL 524 977
Netherlands NL NLD 528 31
New Caledonia NC NCL 540 687
New Zealand NZ NZL 554 64
Nicaragua NI NIC 558 505
Niger NE NER 562 227
Nigeria NG NGA 566 234
Niue NU NIU 570 683
Norfolk Island NF NFK 574 672
Northern Mariana Islands MP MNP 580 670
Norway NO NOR 578 47
Oman OM OMN 512 968
Pakistan PK PAK 586 92
Palau PW PLW 585 680
Palestine, State of PS PSE 275 970
Panama PA PAN 591 507
Papua New Guinea PG PNG 598 675
Paraguay PY PRY 600 595
Peru PE PER 604 51
Philippines PH PHL 608 63
Pitcairn PN PCN 612  
Poland PL POL 616 48
Portugal PT PRT 620 351
Puerto Rico PR PRI 630 787
Qatar QA QAT 634 974
Réunion RE REU 638  
Romania RO ROU 642 40
Russian Federation RU RUS 643  
Rwanda RW RWA 646 250
Samoa WS WSM 882 685
San Marino SM SMR 674 378
Sao Tome and Principe ST STP 678 239
Saudi Arabia SA SAU 682 966
Senegal SN SEN 686 221
Serbia, Republic of RS SRB 688 381
Seychelles SC SYC 690 248
Sierra Leone SL SLE 694 248
Singapore SG SGP 702 65
Sint Maarten SX SXM 534 721
Slovakia SK SVK 703 421
Slovenia SI SVN 705 386
Solomon Islands SB SLB 90 677
Somalia SO SOM 706 252
South Africa ZA ZAF 710 27
South Georgia and the South Sandwich Islands GS SGS 239 500
South Sudan SS SSD 728 211
Spain ES ESP 724 34
Sri Lanka LK LKA 144 94
St. Helena, Ascension, and Tristan da Cunha SH SHN 654 290
St. Kitts and Nevis KN KNA 659 869
St. Lucia LC LCA 662 758
St. Martin MF MAF 663 590
St. Pierre and Miquelon PM SPM 666 508
St. Vincent and the Grenadines VC VCT 670 784
Sudan SD SDN 729 249
Suriname SR SUR 740 597
Svalbard and Jan Mayen Islands SJ SJM 744 268
Sweden SE SWE 752 46
Switzerland CH CHE 756 268
Syrian Arab Republic SY SYR 760 963
Taiwan TW TWN 158 886
Tajikistan TJ TJK 762 992
Tanzania, United Republic of TZ TZA 834 255
Thailand TH THA 764 66
Timor-Leste TL TLS 626 670
Togo TG TGO 768 228
Tokelau TK TKL 772 690
Tonga TO TON 776 676
Trinidad and Tobago TT TTO 780 868
Tunisia TN TUN 788 216
Turkey TR TUR 792 90
Turkmenistan TM TKM 795 993
Turks and Caicos Islands TC TCA 796 649
Tuvalu TV TUV 798 688
Uganda UG UGA 800 256
Ukraine UA UKR 804 380
United Arab Emirates AE ARE 784 971
United Kingdom GB GBR 826 44
United Nations Interim Administration Mission in Kosovo QZ QZZ 900 383
United States US USA 840 1
United States Minor Outlying Islands UM UMI 581  
United States Virgin Islands VI VIR 850  
Uruguay UY URY 858 598
Uzbekistan UZ UZB 860 998
Vanuatu VU VUT 548 678
Venezuela VE VEN 862 58
Vietnam VN VNM 704 84
Wallis and Futuna Islands WF WLF 876 681
Western Sahara EH ESH 732  
Yemen YE YEM 887 967
Zambia ZM ZMB 894 260
Zimbabwe ZW ZWE 716 263

Benchmark Currency Codes

Currency Alphabetic Code Numeric Code
Euro EUR 978
US Dollar USD 840
Australian Dollar AUD 036
Indian Rupee INR 356
Norwegian Krone NOK 578
Brazilian Real BRL 986
Bulgarian Lev BGN 975
Canadian Dollar CAD 124
Yuan Renminbi CNY 156
New Zealand Dollar NZD 554
Kuna HRK 191
Czech Koruna CZK 203
Danish Krone DKK 208
Pound Sterling GBP 826
Hong Kong Dollar HKD 344
Forint HUF 348
Iceland Krona ISK 352
Rupiah IDR 360
New Israeli Sheqel ILS 376
Yen JPY 392
Won KRW 410
Rand ZAR 710
Swiss Franc CHF 756
Malaysian Ringgit MYR 458
Mexican Peso MXN 484
Philippine Peso PHP 608
Zloty PLN 985
Romanian Leu RON 946
Russian Ruble RUB 643
Singapore Dollar SGD 702
Swedish Krona SEK 752
Baht THB 764
Turkish Lira TRY 949

Currency Codes

Country Name Currency Name Currency Code (3 Char) Currency Code (numeric)
Afghanistan AFGHANI AFN 971
Afghanistan AFGHANI AFA 4
Albania LEK ALL 8
Algeria ALGERIAN DINAR DZD 12
American Samoa U.S. DOLLAR USD 840
Andorra EURO EUR 978
Angola KWANZA AOA 973
Anguilla E. CARIBBEAN DOLLAR XCD 951
Antarctica NORWEGIAN KRONE NOK 578
Antigua and Barbuda E. CARIBBEAN DOLLAR XCD 951
Argentina ARGENTINE PESO ARS 32
Armenia ARMENIAN DRAM AMD 51
Aruba ARUBAN GUILDER AWG 533
Australia AUSTRALIAN DOLLAR AUD 36
Austria EURO EUR 978
Azerbaijan AZERBAIJANIAN MANAT AZM 31
Azerbaijan AZERBAIJAN MANAT AZN 944
Bahamas BAHAMIAN DOLLAR BSD 44
Bahrain BAHRAINI DINAR BHD 48
Bangladesh TAKA BDT 50
Barbados BARBADOS DOLLAR BBD 52
Belarus BELARUSSIAN RUBLE BYR 974
Belarus BELARUSSIAN RUBLE BYN 933
Belgium EURO EUR 978
Belize BELIZE DOLLAR BZD 84
Benin CFA FRANC BCEAO XOF 952
Bermuda BERMUDIAN DOLLAR BMD 60
Bhutan BHUTAN NGULTRUM BTN 64
Bhutan INDIAN RUPEE INR 356
Bolivia BOLIVIANO BOB 68
Bosnia and Herzegovina CONVERTIBLE MARK BAM 977
Botswana PULA BWP 72
Bouvet Island NORWEGIAN KRONE NOK 578
Brazil BRAZILIAN CRUZEIRO BRE 76
Brazil BRAZILIAN REAL BRL 986
British Indian Ocean Territory U.S. DOLLAR USD 840
British Virgin Islands U.S. DOLLAR USD 840
Brunei Darussalam BRUNEI DOLLAR BND 96
Bulgaria BULGARIAN LEV BGN 975
Burkina Faso CFA FRANC BCEAO XOF 952
Burundi BURUNDI FRANC BIF 108
Cambodia RIEL KHR 116
Cameroon, United Republic of CFA FRANC BEAC XAF 950
Canada CANADIAN DOLLAR CAD 124
Cape Verde Island CAPE VERDE ESCUDO CVE 132
Cayman Islands CAYMAN IS. DOLLAR KYD 136
Central African Republic CFA FRANC BEAC XAF 950
Chad CFA FRANC BEAC XAF 950
Chile CHILEAN PESO CLP 152
China YUAN RENMINBI CNY 156
Christmas Island AUSTRALIAN DOLLAR AUD 36
Cocos (Keeling) Islands AUSTRALIAN DOLLAR AUD 36
Colombia COLOMBIAN PESO COP 170
Comoros COMORO FRANC KMF 174
Congo CFA FRANC BEAC XAF 950
Cook Islands NEW ZEALAND DOLLAR NZD 554
Costa Rica COSTA RICAN COLON CRC 188
Côte d'Ivoire (Ivory Coast) CFA FRANC BCEAO XOF 952
Croatia CROATIAN KUNA HRK 191
Cuba CUBAN PESO CUP 192
Cyprus CYPRUS POUND CYP 196
Cyprus EURO EUR 978
Czech Republic CZECH KORUNA CZK 203
Democratic Republic of the Congo FRANC CONGOLAIS CDF 976
Denmark DANISH KRONE DKK 208
Djibouti DJIBOUTI FRANC DJF 262
Dominica E. CARIBBEAN DOLLAR XCD 951
Dominican Republic DOMINICAN PESO DOP 214
Ecuador U.S. DOLLAR USD 840
Egypt EGYPTIAN POUND EGP 818
EL Salvador EL SALVADOR COLON SVC 222
El Salvador U.S. DOLLAR USD 840
Eqguinea EQGUINEA EKWELE GQE 226
Equatorial Guinea CFA FRANC BEAC XAF 950
Eritrea ERITREAN NAKFA ERN 232
Estonia ESTONIAN KROON EEK 233
Estonia EURO EUR 978
Ethiopia ETHIOPIAN BIRR ETB 230
Falkland Islands (Malvinas) FALKLAND IS. POUND FKP 238
Faroe Islands DANISH KRONE DKK 208
Fiji FIJI DOLLAR FJD 242
Finland EURO EUR 978
France EURO EUR 978
French Guiana EURO EUR 978
French Polynesia CFP FRANC XPF 953
French Southern Territories EURO EUR 978
Gabon CFA FRANC BEAC XAF 950
Gambia DALASI GMD 270
Georgia LARI GEL 981
Germany EURO EUR 978
Ghana CEDI GHS 936
Ghana GHANA CEDI GHC 288
Gibralter GIBRALTAR POUND GIP 292
Greece EURO EUR 978
Greenland DANISH KRONE DKK 208
Grenada E. CARIBBEAN DOLLAR XCD 951
Guadeloupe EURO EUR 978
Guam U.S. DOLLAR USD 840
Guatemala QUETZAL GTQ 320
Guinea GUINEA FRANC GNF 324
Guinea-Bissau GUINEA-BISSAU PESO GWP 624
Guinea-Bissau CFA FRANC BCEAO XOF 952
Guyana GUYANA DOLLAR GYD 328
Haiti GOURDE HTG 332
Heard and McDonald Islands GOURDE HTG 332
Holy See (Vatican City State) EURO EUR 978
Honduras LEMPIRA HNL 340
Hong Kong HONG KONG DOLLAR HKD 344
Hungary FORINT HUF 348
Iceland ICELAND KRONA ISK 352
India INDIAN RUPEE INR 356
Indonesia RUPIAH IDR 360
Iran IRANIAN RIAL IRR 364
Iran IRANIAN AIRLINE RATE IRA 365
Iraq IRAQI DINAR IQD 368
Ireland, Republic of EURO EUR 978
Israel NEW ISRAELI SHEKEL ILS 376
Italy EURO EUR 978
Jamaica JAMAICAN DOLLAR JMD 388
Japan YEN JPY 392
Jordan JORDANIAN DINAR JOD 400
Kazakhstan TENGE KZT 398
Kenya KENYAN SHILLING KES 404
Kiribati AUSTRALIAN DOLLAR AUD 36
Kuwait KUWAITI DINAR KWD 414
Kyrgyzstan SOM KGS 417
Laos KIP LAK 418
Latvia LATVIAN LATS LVL 428
Latvia EURO EUR 978
Lebanon LEBANESE POUND LBP 422
Lesotho LESOTHO LOTI LSL 426
Liberia LIBERIAN DOLLAR LRD 430
Libyan Arab Jamahiriya LIBYAN DINAR LYD 434
Liechtenstein SWISS FRANC CHF 756
Lithuania LITHUANIAN LITAS LTL 440
Luxembourg EURO EUR 978
Macau PATACA MOP 446
Macedonia DENAR MKD 807
Madagascar MALAGASY ARIARY MGA 969
Malagasy MALAGASY FRANC MGF 450
Malawi MALAWI KWACHA MWK 454
Malaysia MALAYSIAN RINGGIT MYR 458
Maldives RUFIYAA MVR 462
Mali CFA FRANC BCEAO XOF 952
Malta EURO EUR 978
Maltese MALTESE LIRA MTL 470
Marshall Islands U.S. DOLLAR USD 840
Martinique EURO EUR 978
Mauritania OUGUIYA MRO 478
Mauritius MAURITIUS RUPEE MUR 480
Mayotte EURO EUR 978
Mexico MEXICAN PESO MXN 484
Micronesia U.S. DOLLAR USD 840
Moldova MOLDOVAN LEU MDL 498
Monaco EURO EUR 978
Mongolia TUGRIK MNT 496
Monserrat E. CARIBBEAN DOLLAR XCD 951
Montenegro EURO EUR 978
Morocco MOROCCAN DIRHAM MAD 504
Mozam MOZAM METICAL MZM 508
Mozambique MOZAMBIQUE METICAL MZN 943
Myanmar KYAT MMK 104
N Korea NORTH KOREAN WON KPW 408
Namibia NAMIBIA DOLLAR NAD 516
Nauru AUSTRALIAN DOLLAR AUD 36
Nepal NEPALESE RUPEE NPR 524
Netherlands EURO EUR 978
Netherlands Antilles NETH. ANTI. GUILDER ANG 532
New Caledonia CFP FRANC XPF 953
New Zealand NEW ZEALAND DOLLAR NZD 554
Nicaragua CORDOBA ORO NIO 558
Niger CFA FRANC BCEAO XOF 952
Nigeria NAIRA NGN 566
Niue NEW ZEALAND DOLLAR NZD 554
Norfolk Island AUSTRALIAN DOLLAR AUD 36
Northern Mariana Islands U.S. DOLLAR USD 840
Norway NORWEGIAN KRONE NOK 578
Oman RIAL OMANI OMR 512
Pakistan PAKISTAN RUPEE PKR 586
Palau U.S. DOLLAR USD 840
Palestine, State of U.S. DOLLAR USD 840
Panama BALBOA PAB 590
Papua New Guinea KINA PGK 598
Paraguay GUARANI PYG 600
Peru NUEVO SOL PEN 604
Philippines PHILIPPINE PESO PHP 608
Pitcairn NEW ZEALAND DOLLAR NZD 554
Poland ZLOTY PLN 985
Portugal EURO EUR 978
Puerto Rico U.S. DOLLAR USD 840
Qatar QATARI RIAL QAR 634
Réunion EURO EUR 978
Romania LEU RON 946
Romania ROMANIAN LEU ROL 642
Russia RUSSIAN RUBLE RUR 810
Russia RUSSIAN RUBLE RUB 643
Rwanda RWANDA FRANC RWF 646
S Korea WON KRW 410
Samoa TALA WST 882
San Marino EURO EUR 978
Sao Tome and Principe DOBRA STD 678
Saudi Arabia SAUDI RIYAL SAR 682
Senegal CFA FRANC BCEAO XOF 952
Serbia SERBIAN DINAR RSD 941
Serbia SERBIAN DINAR CSD 891
Seychelles SEYCHELLES RUPEE SCR 690
Sierra Leone LEONE SLL 694
Singapore SINGAPORE DOLLAR SGD 702
Slovakia SLOVAK KORUNA SKK 703
Slovakia EURO EUR 978
Slovenia SLOVENIAN TOLAR SIT 705
Slovenia EURO EUR 978
Solomon Islands SOLOMON IS. DOLLAR SBD 90
Somalia SOMALI SHILLING SOS 706
South Africa RAND ZAR 710
South Georgia and the South Sandwich Islands POUND STERLING GBP 826
Spain EURO EUR 978
Sri Lanka SRI LANKA RUPEE LKR 144
St. Helena ST. HELENA POUND SHP 654
St. Kitts and Nevis E. CARIBBEAN DOLLAR XCD 951
St. Lucia E. CARIBBEAN DOLLAR XCD 951
St. Pierre and Miquelon EURO EUR 978
St. Vincent and the Grenadines E. CARIBBEAN DOLLAR XCD 951
Sudan SUDANESE POUND SDG 938
Sudan SUDANESE DINAR SDD 736
Sudan SUDAN AIRLINE RATE SDA 737
Sudan SOUTH SUDANESE POUND SSP 728
Suriname SURINAM GUILDER SRG 740
Suriname SURINAME DOLLAR SRD 968
Svalbard and Jan Mayen Islands NORWEGIAN KRONE NOK 578
Swaziland LILANGENI SZL 748
Sweden SWEDISH KRONA SEK 752
Switzerland SWISS FRANC CHF 756
Syrian Arab Republic SYRIAN POUND SYP 760
Taiwan NEW TAIWAN DOLLAR TWD 901
Tajikistan SOMONI TJS 972
Tanzania TANZANIAN SHILLING TZS 834
Thailand BAHT THB 764
Timor TIMOR ESCUDO TPE 626
Timor-Leste U.S. DOLLAR USD 840
Togo CFA FRANC BCEAO XOF 952
Tokelau NEW ZEALAND DOLLAR NZD 554
Tonga PA'ANGA TOP 776
Trinidad and Tobago TRINI & TOBA DOLLAR TTD 780
Tunisia TUNISIAN DINAR TND 788
Turkey TURKISH LIRA TRL 792
Turkey TURKISH LIRA TRY 949
Turkmenistan TURKMENISTAN MANAT TMM 795
Turkmenistan TURKMENISTAN MANAT (New) TMT 934
Turks and Caicos Islands U.S. DOLLAR USD 840
Tuvalu AUSTRALIAN DOLLAR AUD 36
Uganda UGANDA SHILLING UGX 800
Ukraine UKRAINIAN HRYVNIA UAH 980
United Arab Emirates U.A.E. DIRHAM AED 784
United Kingdom POUND STERLING GBP 826
United States U.S. DOLLAR USD 840
United States Minor Outlying Islands U.S. DOLLAR USD 840
United States Virgin Islands U.S. DOLLAR USD 840
Uruguay PESO URUGUAYO UYU 858
Uzbekistan UZBEKISTAN SUM UZS 860
Vanuatu VATU VUV 548
Venezuela Bolivar Soberano (Sovereign Bolivar) VES 928
Vietnam DONG VND 704
Wallis and Futuna Islands CFP FRANC XPF 953
Western Sahara MOROCCAN DIRHAM MAD 504
Yemen YEMENI RIAL YER 886
Zambia ZAMBIAN KWACHA ZMW 967
Zambia ZAMBIAN KWACHA ZMK 894
Zimbabwe Zimbabwe ZWL 932
Zimbabwe ZIMBABWE DOLLAR ZWD 716

Action Code (actionCode)  - UPDATED

Code

Description

00

Approved and completed successfully

01

Refer to card issuer

02

Refer to card issuer, special condition

03

Invalid merchant

04

Pick up card (no fraud)

05

Do not honor

06

Error

07

Pick up card, special condition (fraud account)

10

Partial approval

11

Approved (V.I.P)

12

Invalid transaction

13

Invalid amount or currency conversion field overflow

14

Invalid account number (no such number)

15

No such issuer

19

Re-enter transaction

21

No action taken

25

Unable to locate record in file

28

File temporarily not available for update or inquiry

39

No credit account

41

Lost card, pick up (fraud account)

43

Stolen card, pick up (fraud account)

46

Closed account

51

Not sufficient funds

52

No checking account

53

No savings account

54

Expired card or expiration date is missing

55

Incorrect PIN or PIN missing

57

Transaction not permitted to cardholder

58

Transaction not allowed at terminal

59

Suspected fraud

61

Exceeds approval amount limit

62

Restricted card (card invalid in this region or country)

63

Security violation (source is not correct issuer)

64

Transaction does not fulfill AML requirement

65

Exceeds withdrawal frequency limit

70

PIN data required

74

Different value than that used for PIN encryption errors

75

Allowable number of PIN entry tries exceeded

76

Unsolicited reversal

78

“Blocked, first used”—Transaction from new cardholder, and card not properly unblocked

79

Already reversed (by Switch)

80

No financial impact

81

Cryptographic error found in PIN

82

Negative CAM, dCVV, iCVV, or CVV results

85

No reason to decline a request for address verification, CVV2 verification, or a credit voucher or merchandise return

86

Cannot verify PIN; for example, no PVV

89

Ineligible to receive financial position information (GIV)

91

Issuer or switch inoperative and STIP not applicable or not available for this transaction; Time-out when no stand-in; POS Check Service: Destination unavailable; Credit Voucher and Merchandise Return Authorizations: V.I.P. sent the transaction to the issuer, but the issuer was unavailable.

92

Financial institution or intermediate network facility cannot be found for routing (receiving institution ID is invalid)

93

Transaction cannot be completed - violation of law

96

System malfunction

1A

Additional customer authentication required

6P

Verification data failed

B1

Surcharge amount not permitted on Visa cards or EBT food stamps (U.S. acquirers only)

B2

Surcharge amount not supported by debit network issuer.

N0

Force STIP

N3

Cash service not available

N4

Cash request exceeds issuer or approved limit

N5

Ineligible for resubmission

N7

Decline for CVV2 failure

N8

Transaction amount exceeds preauthorized approval amount

P5

Denied PIN unblock—PIN change or unblock request declined by issuer

P6

Denied PIN change—requested PIN unsafe

Q1

Card Authentication failed

R0

Stop Payment Order

R1

Revocation of authorization order

R2

Transaction does not qualify for Visa PIN

R3

Revocation of all authorizations order

Z3

Unable to go online; offline-declined

Point Of Service Data (PointOfServiceData)

Type PanEntryMode PosConditionCode MotoECIIndicator
CardNotPresent 01 59 / 08 5 - 7
10 59 / 08 5 - 7
07 00 / 02 7
91 00 / 02  
96 59  
00 00 / 51  
01 / 10 51  
01 / 05 / 90 00  
01 / 05 / 90 06  
CardPresent 01 59 / 08 5 - 7
02 00  
90 00 / 02 0
95 00 / 08 / 59  
05 00 / 02  
00 00 / 51  
96 59  

 

Address Verification Results (addressVerificationResults) - Updated 01JUN2023

Code Description
Y Full Match
A Partial Match (street address only)
Z Partial Match (postal/zip only)
N Non-Match
U Unable to Verify
R
Indeterminate Outcome (Retry)
 

Address Verification Results (addressVerificationResults) - Old

Code  Description Code Description
A The street addresses match but the postal/ZIP codes do not, or the request does not include the postal/ZIP code. P Postal/ZIP codes match. Acquirer sent both postal/ZIP code and street address, but street address not verified due to incompatible formats.
B Street addresses match, but postal/ZIP code not verified due to incompatible formats. (Acquirer sent both street address and postal/ZIP code) R Retry: System unavailable or timed out. Issuer ordinarily performs address verification but was unavailable. V.I.P. uses code R when issuers are unavailable. Issuers should refrain from using this code. 
C Street address and postal/ZIP code not verified due to incompatible formats. (Acquirer sent both street address and postal/ZIP code.) S Not applicable. If present, V.I.P. replaces it with U or with G.
D Street addresses and postal/ZIP codes match. U Address not verified for domestic transaction. Address not verified for international transaction. Issuer is not an AVS participant, or AVS data was present in the request but issuer did not return an AVS result, or V.I.P. performed address verification on behalf of the issuer and there was no address record on file for this account.
F Street addresses and postal codes match. Applies to U.K.-domestic transactions only. W Not applicable. If present, V.I.P. replaces it with Z. Available for U.S. issuers only.
G Address not verified for international transaction. Issuer is not an Address Verification Service (AVS) participant, or AVS data was present in the request but issuer did not return an AVS result, or V.I.P. performed address verification on behalf of the issuer and there was no address record on file for this account. X Not applicable. If present, V.I.P. replaces it with Y. Available for U.S. issuers only.
I Address information not verified. Y Street address and postal/ZIP match.
M Street addresses and postal/ZIP codes match. Z Postal/ZIP match, street addresses do not match or street address not included in request.
N No match. Acquirer sent postal/ZIP code only, or street address only, or both postal/ZIP and street address.    

Card Verification2 Results (cvv2ResultsCode)

Code Description
M CVV2 Match. Indicates that the Funds Transfer API or the issuer was able to verify the CVV2 value provided by the merchant.
N CVV2 No Match. Indicates that the Funds Transfer API or the issuer was not able to verify the CVV2 value provided by the merchant.
P Not processed. Indicates that the Funds Transfer API or the issuer was unable to verify the CVV2 value provided by the merchant because either their verification system was not functioning, or not all of the information needed to verify the CVV2 value (such as the expiration date) was included in the request.
S CVV2 should be on the card. Indicates that the Funds Transfer API or the issuer was unable to perform CVV2 verification, and notifies the merchant that the card should contain a CVV2 value.
U Issuer does not participate in CVV2 service, or participates but has not provided Visa with encryption keys, or both. Indicates that the issuer is not participating in the CVV2 service, or has not provided Visa with encryption keys needed to perform verification, or that STIP has responded to an issuer-unavailable response.

Cardholder Authentication Verification Value (cavvResultCode)

Code Description Code Description
Blank CAVV not present - no verification performed:
Standard e-commerce or non e-commerce transaction
Use standard authorization criteria with Issuer retaining chargeback rights
7 CAVV failed verification (attempt) – Issuer approves authorization:
U.S.-issued cards ONLY
Issuer or Cardholder does not participate in CAVV verification
Transaction was approved by the Issuer knowing that the authentication data failed verification and was not reliable
Transaction is not eligible for Reason Code 75 (cardholder does not recognize transaction) or 83 (fraud transaction - card absent environment)
0 CAVV authentication results invalid - no verification performed:
CAVV data not properly formatted
Use standard authorization criteria with Issuer retaining chargeback rights
8 CAVV passed verification (attempt) - Issuer approves authorization:
U.S.-issued cards ONLY
Issuer or Cardholder does not participate in CAVV verification
Use standard authorization criteria with Issuer - not eligible for chargebacks
1 CAVV failed verification (authentication) - Issuer approves authorization:
.Transaction was approved by the Issuer knowing that the authentication data failed verification and was not reliable
Transaction is not eligible for Reason Code 75 or 83
9 CAVV failed verification (attempt) - Issuer approves authorization:
U.S.-issued cards ONLY
Issuer ACS unavailable - Visa generated CAVV
Transaction was approved by the Issuer knowing that the authentication data failed verification and was not reliable
Transaction is not eligible for Reason Code 75 (cardholder does not recognize transaction) or 83 (fraud transaction - card absent environment)
2 CAVV passed verification (authentication) - Issuer approves authorization:
Use standard authorization criteria
Transaction is not eligible for chargebacks because a valid CAVV indicates that the cardholder authentication was performed
A CAVV passed verification (attempt) - Issuer approves authorization:
U.S.-issued cards ONLY
Issuer ACS unavailable - Visa generated CAVV
Use standard authorization criteria with Issuer - not eligible for chargebacks
3 CAVV passed verification (attempt) - Issuer approves authorization:
Issuer or Cardholder does not participate in CAVV verification
Transaction is not eligible for chargebacks because a valid CAVV indicates that the merchant did attempt to authenticate the cardholder
B CAVV passed verification (authentication):
Information only with no liability shift since ECI value and/or card type is excluded
4 CAVV failed verification (attempt) - Issuer approves authorization:
Issuer or Cardholder does not participate in CAVV verification
Transaction was approved by the Issuer knowing that the authentication data failed verification and was not reliable
Transaction is not eligible for Reason Code 75 or 83
C CAVV was not verification (attempt):
Issuer elected to return CAVV verification results and Field 44.13 blank
Visa generated CAVV - results are valid
5 Not Used - Reserved D CAVV was not verification (authentication):
Issuer elected to return CAVV verification results and Field 44.13 blank
Visa generated CAVV - results are valid
6 CAVV not verified (VisaNet flag for Issuer not selected) - Issuer approves authorization:
VisaNet processes as if CAVV is valid and use standard authorization criteria to avoid adversely impacting cardholders
Transaction is not eligible for chargebacks because a valid CAVV indicates that the merchant did attempt to authenticate the cardholder
Issuer has requested no verification
   

CVV/iCVV Results Codes

Code Description
(Blank) or not present CVV, iCVV, or dCVV was not verified.
1 CVV, iCVV, dCVV, or Online CAM failed verification.
2 CVV, iCVV, dCVV, or Online CAM passed verification.
3 Transaction passed CVV, Emergency Replacement Card (ERC) service value only, which is used exclusively by the Global Customer Assistance Service (GCAS).

Card Authentication Results

Code Description
(Blank) or not present Online CAM was not performed, or some other situation or problem prevented verification. For example, issuer is not participating in Online CAM, or a system or cryptographic error occurred.
1 The Authorization Request Cryptogram (ARQC) was checked but failed verification.
2 The ARQC was checked and passed verification.

Response Code (Old value) (responseCode)

Code Description
0 Exception file change initiated by Global Customer Assistance Service (GCAS) or Automatic Cardholder Database Update Service (Auto-CDB).
1 Request timed out by switch.
2 Depending on processing system:
PCAS.Transaction amount below issuer limit (), or
PACM.Transaction amount is below sliding dollar limit (P), or in response to a verification request.
4 One or more of the following:
Issuer was not available for processing.
CVV or iCVV invalid and Visa has acted on the negative results.
PVV invalid and Visa has acted on the negative results.
This is the default code when the others listed here do not apply.
5 Response provided by issuer.
C Response provided by STIP for conditions not listed.

Response Code (New value) (responseCode)

Code Description
0 Exception file change initiated by Global Customer Assistance Service (GCAS) or Automatic Cardholder Database Update Service (Auto-CDB).
V Authorization requested by Visanet.

Business Application Identifier (businessApplicationId)

Value Application Type Value Application Type
AA Account to Account CI Cash In
BB Business to Business CO Cash Out
BI Money transfer (bank-initiated) MP Face-to-face Merchant Payment
CP Card Bill Payment MD Merchant Disbursement
FD Funds Disbursement (general) OG Online Gambling Payout
FT Funds Transfer PD Payroll/pension disbursement
GD Government Disbursement PP Person to Person
GP Gambling Payment (other than online gambling) TU Prepaid Reload / Top Up
LO Loyalty and Offers WT Wallet Transfer
BP Non-card Bill Payment PS Payment for goods and services
MI Merchant Initiated OCT for Faster Refund CD Cash Deposit
RP Request-to-Pay Service    

NOTE

  1. The BAI value of CI applies to mVisa CashInPushPayment transactions only.
  2. The BAI value of CO applies to mVisa CashOutPushPayment transactions only.
  3. The BAI value of LO applies to original credit transactions only.
  4. The BAI value of MP applies to mVisa MerchantPushPayment transactions only.
  5. The BAI value of WT applies to account funding transactions and original credit transactions.
  6. The BAI value of BI applies to the Unites States(U.S) region only.
  7. The BAI value of CD applies to original credit transactions only.

Fast Funds Indicator (fastFundsIndicator)

Code Description Code Description
B Recipient issuer participates in Fast Funds for all transactions D Recipient issuer participates in Fast Funds for domestic transactions only
C Reserved for future use N Recipient issuer does not participate in Fast Funds

Push Funds Indicator (pushFundsIndicator)

Code Description Code Description
A Does not accept OCTs C Accepts all OCTs
B Accepts Enhanced Format Money Transfer OCTs only N Does not accept OCTs

Note: Basic Format OCTs is deprecated since April 2019, and newer version of the API does not support this value.

Source Of Funds (sourceOfFundsCode)

Code Description
01 Visa credit
02 Visa debit
03 Visa prepaid
04 Cash
05 Debit/deposit access accounts other than those linked to a Visa card (includes checking/savings accounts and proprietary debit/ATM cards)
06 Credit accounts other than those linked to a Visa card (includes credit cards and proprietary credit lines)

Alerts: Supported Time Zones

UTC Offset Time Zone Display Time Zone Standard Name Time Zone Daylight Name
UTC+00:00 Greenwich Mean Time GMT  
UTC+01:00 Central European Time CET CEST
UTC+02:00 Eastern European Time EET EEST
UTC+03:00 Further-eastern European Time FET  
UTC+03:30 Iran Standard Time IRST  
UTC+04:00 Moscow Time MSK  
UTC+04:30 Afghanistan Time AFT  
UTC+05:00 Pakistan Standard Time PKT  
UTC+05:30 Indian Standard Time IST  
UTC+05:45 Nepal Time NPT  
UTC+06:00 Bangladesh Standard Time BST  
UTC+06:30 Myanmar Standard Time MST  
UTC+07:00 Thailand Standard Time THA  
UTC+08:00 China Standard Time CST  
UTC+09:00 Japan Standard Time JST  
UTC+09:30 Australian CenTral Standard Time ACST ACDT
UTC+10:00 Australian EasTern Standard Time AEST AEDT
UTC+10:30 Lord Howe Standard Time LHST  
UTC+11:00 Solomon Islands Time SBT  
UTC+11:30 Norfolk Time NFT  
UTC+12:00 New Zealand Standard Time NZST NZDT
UTC+12:45 Chatham Standard Time CHAST CHADT
UTC+13:00 Phoenix Island Time PHOT  
UTC+14:00 Line Islands Time LINT  
UTC-01:00 Azores Standard Time AZOST  
UTC-02:00 South Georgia and The South Sandwich Islands GST  
UTC-03:00 Brasilia Time BRT  
UTC-03:30 Newfoundland Standard Time NST NDT
UTC-04:00 Atlantic Standard Time AST ADT
UTC-04:30 Venezuelan Standard Time VET  
UTC-05:00 Eastern Standard Time (North America) EST EDT
UTC-06:00 Central Time (NorTh America)CST CDT
UTC-07:00 MounTain Standard Time (North America) MST MDT
UTC-08:00 Pacific Standard Time (North America) PST PDT
UTC-09:00 Alaska Standard Time AKST AKDT
UTC-09:30 Marquesas Islands Time MIT  
UTC-10:00 Hawaii-Aleutian Standard Time HAST HADT
UTC-11:00 Samoa Standard Time SST  
UTC-12:00 Baker Island Time BIT  

Alerts: Merchant Category Groups

Merchant Category Groups supplied by Visa indicate the primary type of trade conducted by a merchant, similar in concept to standard industry marketing clusters. MCG isc used By Visa Transaction Alerts to indicate that a transaction comes from a merchant of this type.

Merchant Category Group Description
501 Gambling
502 Liquor Stores
503 Adult Entertainment
504 Bail Bonds
505 Pawn Shops
506 Durable Goods
507 Miscellaneous
508 Fuel
509 Supermarket
510 Health Care
511 Travel
512 Dining
513 Entertainment
514 General Retail
515 Drug Store
516 Electronic Stores
517 Housing
518 Automotive
519 Coffee Stores

Alerts: Service Offerings

Service Offerings are used by Visa Transaction Alerts to describe the conditions that can trigger an alert.

Note: All currency amounts must be greater than or equal to the minimum value established for the portfolio Service offerings are opted in to individual card-contact combinations per customer.

Type Service Offering Offering Properties Occurances Allowed Description
Transactional Balance Key: ThresholdAmount 1 An alert is triggered when a balance inquiry is made.
    Value: Numeric value of currency in whole numbers    
         
  CardNotPresent Key: ThresholdAmount 1 An alert is triggered when a purchase is made online, by telephone, or by mail order, and for scheduled automatic payments.
    Value: Numeric value of currency in whole numbers    
         
  Cashback Key: ThresholdAmount 1 An alert is triggered when cash is received along with a purchase.
    Value: Numeric value of currency in whole numbers    
         
  CashWithdrawal Key: ThresholdAmount 1 An alert is triggered when an ATM cash withdrawal is made.
    Value: Numeric value of currency in whole numbers    
         
  CrossBorder Key: ThresholdAmount 1 An alert is triggered when a transaction is made outside the country in which the account was issued and may include cash withdrawals.
    Value: Numeric value of currency in whole numbers    
         
  Declined Key: ThresholdAmount 1 An alert is triggered for transactions that are declined.
    Value: Numeric value of currency in whole numbers    
         
  Gasoline N/A   An alert is triggered when pre-authorizations are processed for point-of-sale purchases at gas pumps.
         
         
  GenericCredit Key: ThresholdAmount 1 An alert is triggered when a credit is received from a merchant.
    Value: Numeric value of currency in whole numbers    
         
  MCG Key: MCGCode 1 per MCG An alert is triggered for transactions defined within a category.
    Value: Single Code value from the included list of MCG    
    Key: ThresholdAmount    
    Value: Numeric value of currency in whole numbers    
         
  Threshold Key: ThresholdAmount 1 An alert is triggered when the card is used for a purchase that is greater than a predefined purchase amount.
    Value: Numeric value of currency in whole numbers    
         
Aggregate AggregateMCG Key: MCGCode 1 per MCG An alert is triggered by customer-defined pre-set spend aggregation thresholds and set aggregation levels at time-based totals for transactions within a category.
    Value: Single Code value from the included list of MCG    
    Key: DailyAmount    
    Value: Numeric value of currency in whole numbers    
    Key: WeeklyAmount    
    Value: Numeric value of currency in whole numbers    
    Key: MonthlyAmount    
    Value: Numeric value of currency in whole numbers    
         
  AggregateOOCATM Key: DailyAmount 1 An alert is triggered by customer-defined pre-set spend aggregation thresholds and set aggregation levels at time-based totals for out of country ATM withdrawls.
    Value: Numeric value of currency in whole numbers    
    Key: WeeklyAmount    
    Value: Numeric value of currency in whole numbers    
    Key: MonthlyAmount    
    Value: Numeric value of currency in whole numbers    
         
  AggregatePurchase Key: DailyAmount 1 An alert is triggered by customer-defined pre-set spend aggregation thresholds and set aggregation levels at time-based totals.
    Value: Numeric value of currency in whole numbers    
    Key: WeeklyAmount    
    Value: Numeric value of currency in whole numbers    
    Key: MonthlyAmount    
    Value: Numeric value of currency in whole numbers    
         
Suppression DoNotDisturb Key: DoNotDisturbStart 1 Establishes the timespan within a 24 hour period in which the customer does not wish to receive alerts. The alerts are queued until the timespan has elapsed.
    Value: Hour and Minute representation in the format HH:MM    
    Key: DoNotDisturbEnd    
    Value: Hour and Minute representation in the format HH:MM    
         
  SuppressRecurring N/A 1 Suppress alerts for reoccurring or automated transactions.

ISO Codes: Alerts, supported Languages

Country Name Supported Language (Alerts)
British Indian Ocean Territory pt-BR
Cape Verde Island fr-CA
Micronesia Es-MX
United States en-US
United States Minor Outlying Islands en-US
United States Virgin Islands en-US

Network ID and Sharing Group Code

Network Name Network ID Sharing Group Code
Accel/Exchange 0020 E
CU24 0024 C
Interlink 0003 G
Maestro 0016 8
NYCE 0018
0027
Y
F
Pulse 0009
0017
0019
S
L
H
Star 0008
0010
0011
0012
0015
N
W
Z
Q
M
Visa/PLUS 0002 V

Resources

Value Description Accepts Language Parameter
business_segment Visa business segment types
e.g., Consumer, Small Business
Y
card_payment_type Visa payment types
e.g., Debit, Credit
Y
card_product Visa cards
e.g., Visa Signature, Visa Platinum
Y
category Offer classification
e.g., Food & Wine, Travel
Y
language Available languages for offers
e.g., English, Simplified Chinese
N
program A collection of offers. Every one belongs to only one program. N
promotion_channel The mediums where the offer may be promoted
e.g., Online
Y
redemption_channel The mediums where the offer may be redeemed
e.g., In-Store
Y
region A list of regions (and their corresponding countries) available in VMORC Y (only country)

Business Segments (business_segment)

Code Description
7 Commercial
8 Consumer
39 Small Business

NOTES

  1. Business segments are dynamically managed within VMORC and new values may be added into the system
  2. The business segment response may differ based on offers an issuer may access. For example, if an issuer may only access "Consumer" offers, the other business segment options are not returned in the Reference Data API response.
  3. The business segments above may be a subset of available values and may differ in production and the sandbox

Card Payment Types (card_payment_type)

Code Description
9 Credit
10 Debit
11 Pre-Paid

Notes

  1. Card payment types are dynamically managed within VMORC and new values may be added into the system
  2. The card payment type response may differ based on offers an issuer may access. For example, if an issuer may only access "Credit" offers, the other payment type options are not returned in the Reference Data API response.
  3. The card payment types above may be a subset of available values and may differ in production and the sandbox

Card Product (card_product)

Code Description
15 Visa Platinum
16 Visa Gold
17 Visa Classic
41 Visa Electron
42 Visa Infinite
65 Visa Signature

Notes

  1. Card products are dynamically managed within VMORC and new values may be added into the system
  2. The card product response may differ based on offers an issuer may access. For example, if an issuer may only access "Visa Signature" offers, the other payment type options are not returned in the Reference Data API response.
  3. The card payment types above may be a subset of available values and may differ in production and the sandbox

Category and Subcategory (category and subcategory)

Category Key Category Value Subcategory Key Subcategory Value
94 Food & Wine 95 Dining
94 Food & Wine 96 Wine
18 Travel 25 Car Rentals / Transfers
18 Travel 26 Hotels & Lodging
18 Travel 88 Services
97 Retail 98 Books/Music/Movies

Notes

  1. Categories and subcategories are dynamically managed within VMORC and new values may be added into the system
  2. The category and subcategory response may differ based on offers an issuer may access. For example, if an issuer may only access "Food & Wine" offers, the other category options are not returned in the Reference Data API response. The same case applies to subcategories
  3. The categories and subcategories above may be a subset of available values and may differ in production and the sandbox

Merchant (merchant)

Key Value
100000 Merchant One
100100 Merchant Two
100200 Merchant Three

Notes

  1. Merchants are dynamically managed within VMORC and new values may be added into the system
  2. The merchant response may differ based on offers an issuer may access. For example, if an issuer may only access "Merchant One" offers, the other merchant options are not returned in the Merchant Data API response.
  3. The merchants above are fictitious and may differ in production and the sandbox

Program (program)

Key Value
100001 Program A
100002 Program B
100003 Program C

Notes

  1. Programs are dynamically managed within VMORC and new values may be added into the system
  2. The program response may differ based on offers an issuer may access. For example, if an issuer may only access "Program A" offers, the other program options are not returned in the Reference Data API response.
  3. The program above are fictitious and may differ in production and the sandbox

Promotion Channel (promotion_channel)

Key Value
1 Print
3 Online
5 In Store / Offline

Notes

  1. Promotion channels are dynamically managed within VMORC and new values may be added into the system
  2. The promotion channel response may differ based on offers an issuer may access. For example, if an issuer may only access "Online" offers, the other program options are not returned in the Reference Data API response.
  3. The promotion channels above are a subset of available values and may differ in production and the sandbox

Region (region)

Key Value
1 AP (Asia Pacific)
2 CEMEA (Central Europe Middle East Africa)
3 EU (Europe)
4 LAC (Latin America)
5 USA
6 Canada

Country (country)

Country Key Region Key Country Value
38 6 Canada
44 1 China
58 3 Denmark
175 4 Peru
232 2 United Arab Emirates
234 5 United States of America

Notes

  1. The countries above are subset of available values

Merchant Response Code

Service Identifier/ Merchant Response Code Description API Request Must Include Notes on API Response Recommended Action on API Response
A Account Change New Account Number and Expiration date Merchant data would be returned if both account number and expiration date matched. Display merchant name, or sub-merchant name (if TPA indicator = ‘Y’) and inquiry date. Indicate new account number and expiration date shared with merchant.
E Expiry Date Change Expiry Date Change New Account Number and Expiration date Merchant data would be returned if both account number and expiration date matched. Display merchant name, or sub-merchant name (if TPA indicator = ‘Y’) and inquiry date. Indicate new expiration date shared with merchant.
V Validation - No change in account information New Account Number and Expiration date Merchant data would be returned if both account number and expiration date matched. Display merchant name, or sub-merchant name (if TPA indicator = ‘Y’) and inquiry date. Indicate no updates provided to merchant.
C Closed Account Old Account Number Only Merchant data would be returned based on old account match. Expiration date provided in the API Request would be ignored. Display merchant name, or sub-merchant name (if TPA indicator = ‘Y’) and inquiry date. Indicate no updates provided to merchant, and cardholder should contact merchant to provide card information.
Q Contact Cardholder Old Account Number Only Merchant data would be returned based on old account match. Expiration date provided in the API Request would be ignored. Display merchant name, or sub-merchant name (if TPA indicator = ‘Y’) and inquiry date. Indicate no updates provided to merchant. Cardholder should contact merchant to provide card information.
B (sent to acquirer as ‘N’) Blocked Merchant Old Account Number Only Merchant data would be returned based on old account match. Expiration date provided in the API Request would be ignored. Display merchant name, or sub-merchant name (if TPA indicator = ‘Y’) and inquiry date. Indicate no updates provided to merchant. Cardholder should contact merchant to provide card information.

Card Platform Code

Code Description
BZ 
Business 
CN 
Consumer 
GV Government Notes
TT TEST PLTFRM

Pan Entry Mode Codes

PAN Entry  Mode Code    Description
00 Unknown or terminal not used.
01 Manual (key entry).
02 Visa: Magnetic stripe read; CVV checking may not be possible.
PLUS: Track 2 contents read, but transaction not eligible for CVV checking.
03 Optical code.
04 Reserved for future use.
05 Contact integrated circuit card read using VSDC chip data rules; Online CAM
authentication method; iCVV checking possible.
06 Reserved for future use.
07 Contactless device-read-originated using qVSDC chip data rules; Online CAM
authentication method; iCVV checking possible.
10 Credential on file: Merchant initiates transaction for cardholder using credentials
stored on file.
90 Magnetic stripe read and exact content of Track 1 or Track 2 included (CVV check
possible).
91 Contactless device-read-originated using magnetic stripe data rules; dCVV.
checking is possible; Online CAM checking possible for MSD CVN 17 only.
95 Integrated circuit card read; CVV or iCVV checking may not be possible..

POS Condition Codes

POS Condition Code Description
00 Normal transaction of this type.
01 Customer not present.
02 Unattended cardholder-activated environment.
03 Merchant suspicious of transaction (or card).
05 Customer present, card not present.
06 Preauthorized request.
08 Mail, telephone, recurring, advance, or installment order.
11 Suspected fraud.
12 Security.
13 Dispute Response Financial.
17 Dispute Financial.
51 Address/CVV2/account verification without authorization; product eligibility inquiry
without authorization; Master Card POS account status inquiry.
NOTE: Invalid for Crediário eligibility inquiry messages.
52 Reserved for future use.
54 Dispute Financial Reversal.
59 E-commerce request by public network.
71 Card present, magnetic stripe cannot be read (key-entered)—U.S. only.

Moto ECI Indicator Codes

Moto ECI Indicator Code Description
0   Originators can pass this value when the transaction is not a Mail Order/Telephone Order (MOTO).
1 Single transaction of a mail/phone order
2 Recurring transaction
3 Installment payment
4 Unknown classification/Other mail order
5 Secure electronic commerce transaction
6 Non-authenticated security transaction at a 3-D Secure-capable merchant, and merchant attempted to authenticate the cardholder using 3-D Secure
7 Non-authenticated Security Transaction
8 Non-secure transaction

Message Reason Codes

Message Reason Code Description
3901 Resubmission Transaction  – A merchant performs a resubmission in cases where it requested an authorization, but received a decline due to insufficient funds after it has already delivered the goods or services to the cardholder. Merchants in such scenarios can resubmit the request to recover outstanding debt from cardholders.
3902 Delayed Charges Transaction  Delayed charge transaction is performed to process a supplemental account charge after original services have been rendered and respective payment has been processed. Relevant merchant segments are limited to vehicle rental, lodging, cruise lines, and other rentals.
3903 Reauthorization Transaction  A merchant initiates a reauthorization when the completion or fulfillment of the original order or service extends beyond the authorization validity limit set by Visa.
There are two common reauthorization scenarios:
• Split or delayed shipments at eCommerce retailers. A split shipment occurs when not all of the goods ordered are available for shipment at the time of purchase. If the fulfillment of the goods takes place after the authorization validity limit set by Visa, eCommerce merchants perform a separate authorization to ensure that consumer funds are available.
• Extended stay hotels, car rentals, and cruise lines. A reauthorization is used for stays, voyages, and/or rentals that extend beyond the authorization validity period set by Visa.
3904 No Show Transaction  Cardholders can use their Visa cards to make a guaranteed reservation with certain merchant segments. A guaranteed reservation ensures that the reservation will be honored and allows a merchant to perform a no-show transaction to charge the cardholder a penalty according to the merchant’s cancellation policy.

POS Environment Codes

POS Environment
Code
Description
C Credential on file.
I Indicates that the message is for an installment payment.
R Indicates that the cardholder and merchant have agreed to periodic billing
for goods and services, such as utility bills and magazines.

Recall for Fraud - Questions and possible answers

ID# Question Answer
RECALL_0001 Type of fraud committed (e.g., identity theft, cyber, Ponzi, etc.)
  • Identity Theft
  • Cyber
  • Ponzi
  • Other
RECALL_0002 Are the sender and recipient known to each other? Boolean (Yes/No)
RECALL_0003 Relevant law enforcement agency report and reference number String (250)
RECALL_0004 Have your anti-fraud controls been reviewed? Boolean (Yes/No)

Account Identifier Type Codes

Code Description
00 Other
01 Routing transit number (RTN) and bank account
02 IBAN
03 Card account
04 Email
05 Phone number
06 Bank account number (BAN) and bank identification code (BIC)
07 Wallet ID
08 Social network ID

 

Account Name Inquiry Results (cardHolderNameVerificationResult)

<a href=\"/request_response_codes#ani_match_decision_codes\">ANI match decision</a>

nameMatchDecision:

Code Description
01 Match
50 Partial Match
99 No Match

<a href=\"/request_response_codes#ani_name_result_codes\">ANI name Result</a>"

nameResult:

Code Description
00 Name match performed
01 Name match not performed
02 Name match not supported