Posted Transactions
Posted Transactions Guide
Overview
This guide provides detailed information about the fields required for posted transaction data in the Issuing BIN Sponsorship program. Each field is described with its requirements, character length, and examples to ensure accurate and compliant data entry.
Posted Transaction Fields
| Field | Required | Description | Character Length | Example |
|---|---|---|---|---|
| TRANSACTION ID | Yes | Unique identifier of the card transaction | 20 | TXN1234567890 |
| CARD NUMBER | Yes | Provide full 16 digits. | 16 | |
| ACCOUNT NUMBER | Yes | CARDHOLDER account number. | 35 | 1.23456789012345E+19 |
| CARDHOLDERID | Yes | Unique ID identifying a CARDHOLDER. | 35 | CUST123456 |
| TRANSACTION DATE TIME STAMP | Yes | Swiped card payments - this is the time stamp the transaction occurred / card was swiped at the merchant’s location (in the merchant’s local time zone). Web/non-swiped card payments - this is the time stamp the CARDHOLDER made the purchase | DateTime | Swiped card payments - For example if a card was used at 1:00 AM in China time, provide 1:00 AM China time, not 11:00 AM EST. Web/non-swiped card payments - For example a CARDHOLDER located in Cincinnati buys something at 8:00 PM on Amazon, but the merchant was in California and the time was 5:00 PM there. Provide the time of transaction which is 8:00 PM here. |
| POSTED TRANSACTION DATE TIMESTAMP | No | TimeStamp transaction posted to the account | DateTime | |
| TRANSACTION CODE | Yes | Code representing the type of transaction posted to the card including both internal and network related activity. This code is utilized to support funds movement so any transaction that affects the balance of the card. | 50 | ATM Withdrawal Fee |
| TRANSACTION DESCRIPTION | No | Description of the transaction. | 100 | |
| TRANSACTION AMOUNT SIGN | Yes | “+” if transaction adds to settled balance, “-” if transaction deducts from settled balance, " " if transaction doesn’t affect settled balance. | 1 | - |
| TRANSACTION AMOUNT | Yes | Amount of the transaction that posted to the account. | Decimal(10, 2) | 150.75 |
| AUTHORIZATION CODE | No | Identification number assigned to the approved transaction. Blank if declined. | 15 | 123456 |
| TRANSACTION CURRENCY CODE | Yes | 3 | USD | |
| TRANSACTION ORIGINATED CITY | No | The city where the transaction originated. | 50 | Chicago |
| TRANSACTION ORIGINATED COUNTRY CODE | Yes | Country where the transaction took place. Code representing the country where the merchant’s business is located. Use ISO 3166-1 Alpha-2 Country code standard. | 2 | US |
| TRANSACTION IP ADDRESS | No | The IP Address from which the transaction took place. | 39 | |
| TRANSACTION DEVICE ID | No | A unique number related to a mobile phone or device that the transactions took place on. | 50 | |
| MERCHANT TERMINAL NUMBER (TID) | Yes | An eight-digit alphanumeric code that identifies a point-of-sale (POS) terminal and the transactions that take place on it. | 8 | |
| MERCHANT CATEGORY CODE | Yes | Code representing the merchant's line of business | 4 | |
| MERCHANT NAME | Yes | Name of the merchant accepting the original transaction. | 100 | ABC Store |
| MERCHANT ACCOUNT NUMBER | Yes | Number identifying the merchant submitting the transaction. | 35 | MER1234567890 |
| MERCHANT ADDRESS LINE 1 | Yes | Merchant address. | 35 | 456 Elm St |
| MERCHANT ADDRESS LINE 2 | No | Additional address information. | 35 | Suite 300 |
| MERCHANT CITY | Yes | Merchant city. | 50 | San Francisco |
| MERCHANT STATE | Yes | Merchant state. | 2 | CA |
| MERCHANT ZIPCODE | Yes | Merchant ZIP code. | 10 | 94107 |
| MERCHANT COUNTRY CODE | Yes | Code representing the country where the merchant’s business is located. Use ISO 3166-1 Alpha-2 Country code standard. | 2 | US |
| MERCHANT PRIMARY PHONE NUMBER | Yes | Merchant phone number. | 15 | 1-415-555-1234 |
| Secondary Phone Number | No | Additional phone number for the merchant. | 15 | |
| Interchange Fee Amount | No | Amount of interchange associated with this transaction. | Decimal(7, 2) | 5 |
| Fee amount | No | |||
| International Transaction Fee | No |
Field Descriptions
- TRANSACTION ID: A unique identifier for each transaction. This ID must be 20 characters long.
- CARD NUMBER: The full 16-digit number of the card used in the transaction. This is a mandatory field.
- ACCOUNT NUMBER: The account number tied to the cardholder. This ID must be 35 characters long.
- CARDHOLDERID: The unique identifier for the cardholder. This ID must be 35 characters long.
- TRANSACTION DATE TIME STAMP: The date and time when the transaction occurred. For swiped card payments, this is the time the card was swiped at the merchant’s location. For web/non-swiped card payments, this is the time the cardholder made the purchase.
- POSTED TRANSACTION DATE TIMESTAMP: The date and time when the transaction was posted to the account. This field is optional.
- TRANSACTION CODE: A code representing the type of transaction posted to the card, including both internal and network-related activity. This code supports funds movement and affects the balance of the card.
- TRANSACTION DESCRIPTION: A description of the transaction. This field is optional.
- TRANSACTION AMOUNT SIGN: Indicates whether the transaction amount adds to (+) or deducts from (-) the settled balance. This is a mandatory field.
- TRANSACTION AMOUNT: The amount of the transaction that posted to the account. This is a mandatory field and must be represented as a decimal with up to 10 digits and 2 decimal places.
- AUTHORIZATION CODE: The identification number assigned to the approved transaction. This field is optional and can be left blank if the transaction was declined.
- TRANSACTION CURRENCY CODE: The currency code for the transaction, using a 3-character code (e.g., USD). This is a mandatory field.
- TRANSACTION ORIGINATED CITY: The city where the transaction originated. This field is optional.
- TRANSACTION ORIGINATED COUNTRY CODE: The country where the transaction took place, represented by a 2-character ISO 3166-1 Alpha-2 country code. This is a mandatory field.
- TRANSACTION IP ADDRESS: The IP address from which the transaction took place. This field is optional.
- TRANSACTION DEVICE ID: A unique number related to the mobile phone or device used for the transaction. This field is optional.
- MERCHANT TERMINAL NUMBER (TID): An eight-digit alphanumeric code that identifies the point-of-sale (POS) terminal where the transaction took place. This is a mandatory field.
- MERCHANT CATEGORY CODE: A code representing the merchant's line of business. This is a mandatory field.
- MERCHANT NAME: The name of the merchant accepting the original transaction. This is a mandatory field.
- MERCHANT ACCOUNT NUMBER: The number identifying the merchant submitting the transaction. This is a mandatory field.
- MERCHANT ADDRESS LINE 1: The primary address of the merchant. This is a mandatory field.
- MERCHANT ADDRESS LINE 2: Additional address information for the merchant. This field is optional.
- MERCHANT CITY: The city where
Updated about 1 month ago