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ISO 8583 Reference Database
Searchable database of response codes, processing codes, EMV tags, MTI definitions, and Merchant Category Codes
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Field 39 Response Codes
| Code | Meaning | Action / Description |
|---|---|---|
| 00 | Approved | Transaction successful. Honor the card. |
| 01 | Refer to Issuer | Call the issuing bank for manual authorization. |
| 03 | Invalid Merchant | Merchant ID not recognized by the acquirer. Check configuration. |
| 04 | Pick Up Card | Fraud suspected. Retain the card if possible. |
| 05 | Do Not Honor | Generic decline. Issuer declined without specific reason. |
| 12 | Invalid Transaction | Transaction type not supported for this card/terminal. |
| 13 | Invalid Amount | Amount is negative or exceeds limits. |
| 14 | Invalid Card Number | PAN does not exist or failed LUHN check. |
| 30 | Format Error | Message format is malformed (e.g., missing fields). |
| 41 | Lost Card | Card reported lost. Deny and retain if possible. |
| 43 | Stolen Card | Card reported stolen. Deny and retain immediately. |
| 51 | Insufficient Funds | Account balance too low for transaction amount. |
| 54 | Expired Card | Card has passed its expiration date. |
| 57 | Txn Not Permitted | Cardholder not authorized for this type of transaction. |
| 58 | Term Not Permitted | Terminal ID not authorized for this transaction. |
| 62 | Restricted Card | Card has been restricted by issuer (e.g., region lock). |
| 91 | Issuer Down | Issuer switch is unavailable. Retry later. |
| 94 | Duplicate Txn | Duplicate STAN/Audit number detected. |
| 96 | System Error | General system malfunction. |
| 10 | Partial Approval | Issuer approved amount less than requested. Common with prepaid/gift cards. |
| 1A | Soft Decline (3DS Required) | Strong Customer Authentication (SCA) required. Retry with 3D Secure. |
| N3 | Cashback Not Available | Cashback service not available for this transaction. |
| N7 | CVV2/CVC2 Mismatch | Card security code does not match. Verify CVV/CVC entry. |
| 02 | Refer to Issuer (Special) | Call voice authorization center. Often for high-value or flagged transactions. |
| 06 | Error | General system error at issuer or switch. Transaction cannot be processed. |
| 07 | Pick Up Card (Special) | Account flagged (fraud/theft). Capture card if possible. |
| 15 | No Such Issuer | BIN/routing does not correspond to valid issuer. Check card number. |
| 19 | Re-enter Transaction | Transmission error occurred. Retry the transaction. |
| 55 | Incorrect PIN | PIN entered does not match. Customer should re-enter PIN. |
| 59 | Suspected Fraud | Transaction declined due to suspected fraudulent activity. |
| 61 | Exceeds Withdrawal Limit | Amount exceeds daily/transaction withdrawal limit for card. |
| 63 | Security Violation | Transaction violates security policy. May indicate tampering. |
| 65 | Exceeds Frequency Limit | Too many transactions in time period. Velocity limit exceeded. |
| 75 | PIN Tries Exceeded | Allowable PIN attempts exceeded. Card may be blocked. |
| 78 | Invalid PIN Block | PIN block format error. Check terminal encryption configuration. |
| 79 | PIN Key Sync Error | PIN encryption key out of sync. Terminal key synchronization required. |
| 82 | CVV Validation Error | Card verification value (CVV/CVV2) validation failed. |
| 90 | Cutoff In Progress | System cutoff/batch processing in progress. Retry shortly. |
| 92 | Routing Error | Financial institution or network switch cannot be found for routing. |
| 08 | Honor with Identification | Request cardholder identification before completing transaction. |
| 21 | No Action Taken | Unable to back out prior transaction. No changes made. |
| 25 | Unable to Locate Record | Original transaction not found for void or reversal. |
| 33 | Expired Card (Pickup) | Card has expired. Retain if possible. |
| 39 | No Credit Account | No credit account linked to this card. |
| 56 | No Card Record | Card record not found in issuer's system. |
| 83 | Unable to Verify PIN | PIN verification not possible. Check encryption or try signature. |
| 85 | No Reason to Decline (AVS Only) | AVS-only request processed. Card not charged. Check AVS result. |
| 93 | Transaction Cannot Complete | Transaction violates law or network rules. |
| Y1 | Offline Approved (Discover) | D-PAS chip transaction approved offline by the card. |
| Y3 | Unable to Go Online, Offline Approved | D-PAS: Could not reach issuer but card approved offline. |
| Z1 | Offline Declined (Discover) | D-PAS chip transaction declined offline by the card. |
| Z3 | Unable to Go Online, Offline Declined | D-PAS: Could not reach issuer and card declined offline. |
| N0 | Force STIP | Network stand-in processing activated. Retry with issuer. |
| Q1 | Card Authentication Failed | Visa-specific: Chip card authentication (ARQC) failed. |
| 77 | Intervention Required | Visa: Issuer requires phone intervention. Contact authorization center. |
| R0 | Stop Payment Order | Visa: Customer has placed stop payment on recurring transaction. |
| R1 | Revocation of Authorization | Visa: Cardholder has revoked authorization for recurring payment. |
| R3 | Revocation of All Authorizations | Visa: Cardholder revoked all authorizations for this merchant. |
| P5 | PIN Change/Unblock Failure | Visa: PIN change or unblock request denied by issuer. Cardholder should contact issuing bank. |
| P6 | Unsafe PIN | Visa: PIN chosen is considered unsafe (e.g., sequential, repeated digits). Cardholder must select a different PIN. |
| 70 | Contact Card Issuer | Mastercard: Voice authorization required. Merchant must call issuer authorization center. |
| 76 | Invalid Old PIN | Mastercard: Previous PIN incorrect during PIN change transaction. Cardholder should retry. |
| 81 | Cryptographic Failure | Mastercard: Card Authentication Method (CAM) or ARQC verification failed. Potential counterfeit card. |
| 84 | Invalid Life Cycle | Mastercard: Card life cycle state invalid for requested transaction. Card may be blocked or not activated. |
| 09 | Request In Progress | Transaction is being processed. Wait for completion before retrying. |
| 11 | VIP Approval | Approved for VIP cardholder. Honor the transaction. |
| 16 | Insufficient Funds | Approved for amount less than requested. Partial amount available. |
| 20 | Invalid Response | Response from issuer is malformed or invalid. Check message format. |
| 22 | Suspected Malfunction | Terminal or device suspected of malfunctioning. Run diagnostics. |
| 23 | Unacceptable Transaction Fee | Transaction fee or surcharge is not acceptable to the network or issuer. |
| 34 | Suspected Fraud (Pickup) | Fraud suspected. Retain the card. Report to issuer immediately. |
| 36 | Restricted Card (Pickup) | Card is restricted by issuer. Retain if possible. |
| 38 | PIN Tries Exceeded (Pickup) | Allowable PIN attempts exceeded. Capture card at terminal. |
| 40 | Function Not Supported | Requested transaction type or service not supported by the issuer. |
| 42 | No Universal Account | No universal account exists for this cardholder. |
| 44 | No Investment Account | No investment account linked to this card. |
| 46 | Closed Account | Account has been closed. Card is no longer valid. |
| 52 | No Checking Account | No checking (current) account linked to this card. |
| 53 | No Savings Account | No savings account linked to this card. |
| 60 | Contact Acquirer | Merchant must contact their acquirer/processor for further instructions. |
| 64 | Original Amount Incorrect | Amount in reversal does not match original transaction amount. |
| 66 | Contact Acquirer Security | Merchant must contact acquirer's security department. Potential fraud concern. |
| 67 | Hard Capture | Card must be physically retained by ATM or terminal. Do not return to cardholder. |
| 68 | Response Received Too Late | Issuer response arrived after timeout period. Retry the transaction. |
| 86 | Unable to Verify PIN (Offline) | PIN could not be verified offline. Try online authorization or use signature CVM. |
| 87 | PIN Block Length Error | PIN block format/length invalid. Check terminal encryption configuration. |
| 88 | PIN Cryptographic Error | PIN encryption/decryption failure. Verify key injection and synchronization. |
| 95 | Reconciliation Error | Batch totals do not reconcile. Review settlement records and retry. |
| B1 | Surcharge Not Permitted | Visa: Surcharge amount not permitted on Visa cards or EBT food stamps (U.S. acquirers only). |
| B2 | Surcharge Not Supported by Issuer | Visa: Debit network issuer does not support the surcharge amount applied to transaction. |
| N4 | Cash Request Exceeds Limit | Visa: Cash/ATM request exceeds issuer's approved withdrawal limit. |
| N5 | Ineligible for Resubmission | Visa: Transaction is not eligible for resubmission. Do not retry. |
| N8 | Exceeds Pre-Auth Amount | Visa: Transaction amount exceeds the pre-authorized approval amount. |
| R2 | Not Qualified for Visa PIN | Visa: Transaction does not qualify for Visa PIN processing. |
| CV | Card Type Verification Error | Visa: Card type not supported or merchant not configured to accept this card type. |
| 1B | Credential on File Verification | Visa: Credential-on-file verification required. Submit with stored credential indicator. |
| 31 | Bank Not Supported | Mastercard: Issuing bank not supported by the payment switch. Check routing configuration. |
| 48 | Max Online Refund Reached | Mastercard: Maximum number of online refunds has been reached. Process offline or contact issuer. |
| 71 | PIN Not Changed | Mastercard: PIN change request was not completed. Retry or contact issuer. |
| 100 | Deny – Help Desk | Amex: Decline. Merchant should contact Amex authorization help desk. |
| 181 | Format Error | Amex: Message format error in authorization request. Verify field data. |
| 183 | Invalid Currency Code | Amex: Currency code is invalid or not supported. Verify ISO 4217 code. |
| 189 | Denied – Verification Failed | Amex: Verification data (AVS/CVV) failed validation. Check cardholder data. |
| 200 | Deny – Pick Up Card | Amex: Decline and retain the card. Fraud or risk concern flagged by Amex network. |
| P1 | Debit Network Unavailable | Discover: Debit network is unavailable for routing. Retry or use alternative network. |
| P2 | Invalid Biller Information | Discover: Biller information is invalid or not recognized. Verify payee details. |
| N1 | Cash Not Available | Cash withdrawal service is not available at this terminal or for this card. |
| N2 | Cash Handling Not Available | Cashback or cash handling service is not supported at this merchant location. |
MTI Message Type Indicators
| MTI | Name | Description |
|---|---|---|
| 0100 | Authorization Request | 1987 · Request from acquirer to issuer for transaction approval. |
| 0101 | Authorization Request Repeat | 1987 · Retry of authorization request when no response received. |
| 0110 | Authorization Response | 1987 · Response from issuer indicating approval or decline. |
| 0120 | Authorization Advice | 1987 · Advice message for offline authorization transactions. |
| 0121 | Authorization Advice Repeat | 1987 · Retry of authorization advice when no response received. |
| 0130 | Authorization Advice Response | 1987 · Acknowledgment of authorization advice from issuer. |
| 0200 | Financial Request | 1987 · Combined authorization and financial request (sale). |
| 0210 | Financial Response | 1987 · Response to financial request. |
| 0220 | Financial Advice | 1987 · Completion notification after successful authorization. |
| 0221 | Financial Advice Repeat | 1987 · Retry of financial advice when no response received. |
| 0230 | Financial Advice Response | 1987 · Acknowledgment of financial advice. |
| 0300 | File Action Request | 1987 · Request for file action such as batch upload, download, or hot-card list update. |
| 0310 | File Action Response | 1987 · Response to file action request. |
| 0320 | File Action Advice | 1987 · Advice notification for a file action event. |
| 0321 | File Action Advice Repeat | 1987 · Retry of file action advice when no response received. |
| 0330 | File Action Advice Response | 1987 · Acknowledgment of file action advice. |
| 0400 | Reversal Request | 1987 · Cancels a previous authorization (e.g., timeout). |
| 0410 | Reversal Response | 1987 · Response to reversal request. |
| 0420 | Reversal Advice | 1987 · Notifies issuer that a reversal has occurred. |
| 0421 | Reversal Advice Repeat | 1987 · Retry of reversal advice when no response received. |
| 0430 | Reversal Advice Response | 1987 · Acknowledgment of reversal advice from issuer. |
| 0500 | Reconciliation Request | 1987 · Request to reconcile batch totals between acquirer and issuer for settlement. |
| 0510 | Reconciliation Response | 1987 · Response to reconciliation request confirming batch totals. |
| 0520 | Reconciliation Advice | 1987 · Advice notification for reconciliation event. |
| 0521 | Reconciliation Advice Repeat | 1987 · Retry of reconciliation advice when no response received. |
| 0530 | Reconciliation Advice Response | 1987 · Acknowledgment of reconciliation advice. |
| 0600 | Administrative Request | 1987 · Administrative message request (e.g., terminal parameter download, key management). |
| 0601 | Administrative Request Repeat | 1987 · Retry of administrative request when no response received. |
| 0610 | Administrative Response | 1987 · Response to administrative request. |
| 0620 | Administrative Advice | 1987 · Advice notification for an administrative event. |
| 0621 | Administrative Advice Repeat | 1987 · Retry of administrative advice when no response received. |
| 0630 | Administrative Advice Response | 1987 · Acknowledgment of administrative advice. |
| 0800 | Network Management Request | 1987 · Echo test, sign-on/off, or key exchange request. |
| 0810 | Network Management Response | 1987 · Response to network management request. |
| 0820 | Network Management Advice | 1987 · Advice notification for a network management event. |
| 0821 | Network Management Advice Repeat | 1987 · Retry of network management advice when no response received. |
| 0830 | Network Management Advice Response | 1987 · Acknowledgment of network management advice. |
| 1100 | Authorization Request | 1993 · Request from acquirer to issuer for transaction approval. |
| 1101 | Authorization Request Repeat | 1993 · Retry of authorization request when no response received. |
| 1110 | Authorization Response | 1993 · Response from issuer indicating approval or decline. |
| 1120 | Authorization Advice | 1993 · Advice message for offline authorization transactions. |
| 1121 | Authorization Advice Repeat | 1993 · Retry of authorization advice when no response received. |
| 1130 | Authorization Advice Response | 1993 · Acknowledgment of authorization advice from issuer. |
| 1200 | Financial Request | 1993 · Combined authorization and financial request. |
| 1210 | Financial Response | 1993 · Response to financial request. |
| 1220 | Financial Advice | 1993 · Completion notification after successful authorization. |
| 1221 | Financial Advice Repeat | 1993 · Retry of financial advice when no response received. |
| 1230 | Financial Advice Response | 1993 · Acknowledgment of financial advice. |
| 1420 | Reversal Advice | 1993 · Notifies issuer that a reversal has occurred. |
| 1421 | Reversal Advice Repeat | 1993 · Retry of reversal advice when no response received. |
| 1430 | Reversal Advice Response | 1993 · Acknowledgment of reversal advice from issuer. |
| 1500 | Reconciliation Request | 1993 · Request to reconcile batch totals for settlement. |
| 1510 | Reconciliation Response | 1993 · Response to reconciliation request confirming batch totals. |
| 1520 | Reconciliation Advice | 1993 · Advice notification for reconciliation event. |
| 1521 | Reconciliation Advice Repeat | 1993 · Retry of reconciliation advice when no response received. |
| 1530 | Reconciliation Advice Response | 1993 · Acknowledgment of reconciliation advice. |
| 1800 | Network Management Request | 1993 · Echo test, sign-on/off, or key exchange request. |
| 1810 | Network Management Response | 1993 · Response to network management request. |
| 2100 | Authorization Request | 2003 · Request from acquirer to issuer for transaction approval. |
| 2101 | Authorization Request Repeat | 2003 · Retry of authorization request when no response received. |
| 2110 | Authorization Response | 2003 · Response from issuer indicating approval or decline. |
| 2120 | Authorization Advice | 2003 · Advice message for offline authorization transactions. |
| 2121 | Authorization Advice Repeat | 2003 · Retry of authorization advice when no response received. |
| 2130 | Authorization Advice Response | 2003 · Acknowledgment of authorization advice from issuer. |
| 2200 | Financial Request | 2003 · Combined authorization and financial request. |
| 2210 | Financial Response | 2003 · Response to financial request. |
| 2220 | Financial Advice | 2003 · Completion notification after successful authorization. |
| 2221 | Financial Advice Repeat | 2003 · Retry of financial advice when no response received. |
| 2230 | Financial Advice Response | 2003 · Acknowledgment of financial advice. |
| 2420 | Reversal Advice | 2003 · Notifies issuer that a reversal has occurred. |
| 2421 | Reversal Advice Repeat | 2003 · Retry of reversal advice when no response received. |
| 2430 | Reversal Advice Response | 2003 · Acknowledgment of reversal advice from issuer. |
| 2500 | Reconciliation Request | 2003 · Request to reconcile batch totals for settlement. |
| 2510 | Reconciliation Response | 2003 · Response to reconciliation request confirming batch totals. |
| 2800 | Network Management Request | 2003 · Echo test, sign-on/off, or key exchange request. |
| 2810 | Network Management Response | 2003 · Response to network management request. |
Field 3 Processing Codes
ISO 8583 Field 3 is a 6-digit code: positions 1–2 define the Transaction Type,
positions 3–4 the From Account, and positions 5–6 the
To Account.
Example: 00 10 20 = Purchase from Savings to Checking.
Transaction Type (Positions 1–2)
| Code | Transaction Type | Description |
|---|---|---|
| 00 | Purchase / Goods and Services | Standard purchase (debit) transaction for goods or services. |
| 01 | Cash Withdrawal | Cash withdrawal / disbursement (ATM or over-the-counter). |
| 02 | Debit Adjustment | Adjustment to a previous debit transaction amount. |
| 03 | Check Guarantee / Verification | Check guarantee or check verification service. |
| 04 | Check Verification | Check verification only (no guarantee). |
| 05 | Eurocheque Verification | Verification of Eurocheque payment instrument. |
| 09 | Purchase with Cash Back | Purchase combined with cash disbursement at point of sale. |
| 10 | Account Funding | Account funding transaction (AFT / Original Credit). |
| 11 | Quasi-Cash | Quasi-cash transaction (e.g., casino chips, foreign currency, money orders). |
| 17 | PIN Unblock | PIN unblock / PIN change management transaction. |
| 18 | PIN Change | PIN change request by cardholder. |
| 20 | Refund / Return | Returns / refund / merchandise credit to cardholder. |
| 21 | Deposit | Cash or cheque deposit to cardholder's account. |
| 22 | Credit Adjustment | Adjustment to a previous credit transaction amount. |
| 23 | Check Deposit Guarantee | Guaranteed deposit of cheque funds. |
| 28 | Payment | Credit / bill payment to an account (e.g., card balance payment). |
| 30 | Balance Inquiry | Inquiry on available balance / funds. No financial movement. |
| 31 | Balance Inquiry (Interbank) | Balance inquiry routed through interbank network. |
| 38 | Master Key Update | Master key / session key update for terminal key management. |
| 40 | Transfer | Account-to-account fund transfer (from → to account). |
| 50 | Bill Payment / Disbursement | Bill payment or general disbursement transaction. |
| 54 | PIN Verification | Online PIN verification request. |
| 90 | Mini-Statement | Request for mini-statement / account summary (typically ATM). |
| 92 | Electronic Journal | Request for electronic journal / statement printout. |
From Account Type (Positions 3–4)
| Code | Account Type | Description |
|---|---|---|
| 00 | Default / Unspecified | Default account / not applicable. Used when account type is not differentiated. |
| 10 | Savings Account | Funds sourced from cardholder's savings account. |
| 20 | Checking / Current Account | Funds sourced from cardholder's checking (cheque/current) account. |
| 30 | Credit Card Account | Funds sourced from cardholder's credit card / line of credit account. |
| 40 | Universal / Money Market | Universal account, money market, or investment account. |
| 50 | Stored-Value / Prepaid | Stored-value / prepaid card account. |
| 60 | Bonus / Points / Loyalty | Loyalty, bonus, or rewards points account. |
| 90 | Private / Proprietary | Private-label, proprietary, or company-specific account type. |
| 91 | Installment Credit | Installment credit account (EMI / Buy Now Pay Later). |
| 92 | Mortgage | Mortgage / home loan account. |
| 93 | Line of Credit | Revolving line of credit account. |
To Account Type (Positions 5–6)
| Code | Account Type | Description |
|---|---|---|
| 00 | Default / Unspecified | Default account / not applicable. Used for most purchase transactions. |
| 10 | Savings Account | Funds destined to cardholder's savings account. |
| 20 | Checking / Current Account | Funds destined to cardholder's checking (cheque/current) account. |
| 30 | Credit Card Account | Funds destined to cardholder's credit card / line of credit account. |
| 40 | Universal / Money Market | Universal account, money market, or investment account. |
| 50 | Stored-Value / Prepaid | Stored-value / prepaid card account. |
| 60 | Bonus / Points / Loyalty | Loyalty, bonus, or rewards points account. |
| 90 | Private / Proprietary | Private-label, proprietary, or company-specific account type. |
| 91 | Installment Credit | Installment credit account (EMI / Buy Now Pay Later). |
| 92 | Mortgage | Mortgage / home loan account. |
| 93 | Line of Credit | Revolving line of credit account. |
Field 22 POS Entry Mode Codes
ISO 8583 Field 22 is a 3-digit code: positions 1–2 define the PAN Entry Mode
(how card data was captured) and position 3 the PIN Entry
Capability (terminal PIN support).
Example: 051 = EMV chip read, PIN capable.
PAN Entry Mode (Positions 1–2)
| Code | Description | Card Present | Details |
|---|---|---|---|
| 00 | Unknown / Not Specified | — | Terminal could not determine how PAN was entered. Rare; usually indicates a configuration error. Networks may decline. |
| 01 | Manual Entry (Key Entered) | Varies | PAN typed by hand. Used for MOTO, card-on-file fallback, or damaged cards. Highest interchange rates for card-present merchants. |
| 02 | Magnetic Stripe (Partial Track) | Yes | Card swiped through magnetic stripe reader. Track data present but may be partial or truncated. |
| 03 | Barcode / QR Code Reader | Yes | PAN captured via barcode or QR code scan. Used in mobile payment and loyalty card scenarios. |
| 04 | OCR (Optical Character Recognition) | Yes | PAN read via optical character recognition technology. Rare in modern deployments. |
| 05 | EMV Chip (Contact ICC) | Yes | Card inserted into chip reader; ICC data successfully read. Gold standard for card-present security. Generates unique ARQC cryptogram per transaction. |
| 06 | Track 1 Read (Contactless, EMV Rules) | Yes | PAN auto-entered via contactless using Track 1 data under EMV chip data rules. |
| 07 | Contactless EMV Chip (NFC) | Yes | Card or device tapped on contactless reader using EMV chip data rules. Visa: VSDC contactless. Mastercard: M/Chip contactless. |
| 08 | Magnetic Stripe Defective | Yes | Card present but magnetic stripe could not be read due to damage. Primarily used by Discover. |
| 09 | E-Commerce (Remote Transaction) | No | Remote electronic commerce transaction. No physical card present. Most common entry mode for online purchases. |
| 10 | Credential on File | No | PAN/token auto-populated from previously stored cardholder credentials. General credential-on-file transactions. |
| 11 | Credential on File (Issuer-Initiated) | No | Issuer-initiated credential-on-file transaction. Used for standing instructions or pre-authorized recurring mandates. |
| 12 | Credential on File (Merchant Recurring) | No | Merchant-initiated recurring payment using stored credentials. Common for subscriptions. |
| 13 | Credential on File (Merchant Installment) | No | Merchant-initiated installment payment using stored credentials. Used for BNPL-style installment billing. |
| 14 | Voice-Authorized Manual Entry | No | PAN keyed after voice/telephone authorization. Used in MOTO scenarios requiring operator intervention. |
| 70 | Chip Fallback (Service Code Indicates Chip) | Yes | Card service code indicates chip capability, but chip was not read. Terminal fell back to alternative read method. |
| 79 | Chip + Stripe Failed → Manual Entry | Yes | Both chip and magnetic stripe failed to read. Terminal fell back to manual key entry. Very high risk — networks scrutinize these heavily. |
| 80 | Chip Fallback → Magnetic Stripe | Yes | Chip card presented at chip-capable terminal but chip could not be read. Fell back to magnetic stripe. High-risk scenario flagged by networks. |
| 81 | E-Commerce (Enhanced Authentication) | No | PAN/token entry via e-commerce with 3D Secure, DSRP cryptogram, or Identity Check-AAV. Improved interchange qualification. |
| 82 | Server Entry (System Auto-Populated) | No | PAN auto-entered by issuer, acquirer, or third-party vendor system. No cardholder or merchant interaction for PAN capture. |
| 85 | EMV Chip — Offline Data Auth Failed | Yes | Chip card read successfully but offline data authentication (SDA/DDA/CDA) failed. Transaction sent online for issuer decision. |
| 90 | Magnetic Stripe — Full Track Data | Yes | Entire magnetic stripe read and transmitted without alteration or truncation. Track CVV/CVC is certified. The proper swipe transaction. |
| 91 | Contactless Magnetic Stripe (MSD) | Yes | Card tapped but terminal used Magnetic Stripe Data (MSD) rules instead of EMV chip data rules. Legacy contactless method being phased out. |
| 95 | Chip Read — CVV/iCVV Unreliable (Visa) | Yes | Chip card successfully read but CVV/iCVV data is considered unreliable. Unique to Visa. Treated as a fallback-like scenario. |
| 96 | Chip Read — EMV Fallback (Mastercard) | Yes | Similar to code 95 but used by Mastercard for EMV fallback scenarios where chip data integrity is uncertain. |
| 97 | Chip Fallback — AP Region (JCB) | Yes | Chip fallback scenario specific to the Asia-Pacific region. Used exclusively by JCB. |
PIN Entry Capability (Position 3)
| Code | Description | Details |
|---|---|---|
| 0 | Unknown / Unspecified | PIN entry capability is unknown or not specified by the terminal. |
| 1 | PIN Entry Capable | Terminal has a functioning PIN pad and can accept PIN entry from the cardholder. |
| 2 | No PIN Entry Capability | Terminal does not have a PIN pad. Common for e-commerce, MOTO, or basic swipe-only terminals. |
| 3 | PIN Pad Inoperable | Terminal has a PIN pad but it is currently inoperable (hardware fault, software error, or maintenance). |
| 4 | PIN Entered & Verified by Merchant | Terminal has PIN capability and the merchant has verified that a PIN was entered by the cardholder. |
| 8 | PIN Pad Present, Not Used | Terminal has PIN entry capability but the PIN pad was not used for this specific transaction (e.g., signature-preferred or below floor limit). |
| 9 | PIN Verified by Terminal | PIN was verified locally by the terminal device itself (offline PIN verification) rather than sent online to the issuer. |
Track 1/2 Magnetic Stripe Service Codes
The 3-digit service code is encoded on Track 1 (positions 36–38) and Track 2 (positions 22–24)
of the magnetic stripe.
Each digit carries a specific meaning: Digit 1 defines
interchange rules and technology,
Digit 2 defines authorization processing, and
Digit 3 defines allowed services and PIN requirements.
Example: 101 = International interchange, normal
authorization, no restrictions.
Digit 1 — Interchange & Technology
| Code | Description | Details |
|---|---|---|
| 1 | International Interchange | Available for international interchange. No chip on card — magnetic stripe only. The most common first digit for traditional mag-stripe cards. |
| 2 | International — EMV Chip | Available for international interchange. Card contains an integrated circuit (EMV chip). Chip should be used when terminal supports it; otherwise fall back to mag stripe. |
| 5 | National Interchange Only | Available for national/domestic interchange only. No chip present. Card cannot be used for cross-border transactions. |
| 6 | National Only — EMV Chip | Available for national/domestic interchange only. Card contains an EMV chip. Domestic-only usage with chip preference. |
| 7 | Private / Not for Interchange | Not available for interchange. Used for private, proprietary, or closed-loop card programs (e.g., store-only gift cards, campus cards). |
| 8 | Test Card | Reserved for test cards. Not valid for live transactions. Used during terminal certification and network testing. |
| 9 | Test Card | Reserved for test cards. Not valid for live transactions. Alternate test designation used by some networks. |
Digit 2 — Authorization Processing
| Code | Description | Details |
|---|---|---|
| 0 | Normal Authorization | Transactions processed under normal authorization rules. Standard online authorization with no special conditions. |
| 2 | Authorization by Issuer (Positive) | Issuer must be contacted for all transactions regardless of amount. No offline or stand-in authorization allowed. |
| 4 | Auth by Issuer (Except Bilateral) | Issuer authorization required unless a bilateral agreement exists between issuer and acquirer for stand-in processing. |
| 6 | Authorization by Issuer (Mandate) | Issuer must authorize all transactions. Similar to code 2 but used in specific network mandates. No exceptions permitted. |
Digit 3 — Allowed Services & PIN Requirements
| Code | Description | Details |
|---|---|---|
| 0 | No Restrictions, PIN Not Required | All services allowed (goods, services, cash). PIN is not required for any transaction type. |
| 1 | No Restrictions, PIN Required | All services allowed but PIN must be entered and verified for every transaction. Common for debit cards. |
| 2 | Goods & Services Only, No PIN | Card restricted to goods and services purchases only — no cash advances or ATM withdrawals. PIN not required. |
| 3 | ATM Only, PIN Required | Card valid only at ATMs for cash withdrawals. PIN is always required. Cannot be used for POS purchases. |
| 4 | Cash Only, PIN Not Required | Card restricted to cash transactions (advances, disbursements) only. No goods/services purchases allowed. PIN not required. |
| 5 | Goods & Services Only, PIN Required | Card restricted to goods and services purchases only. PIN must be entered for every transaction. Common for PIN-debit cards. |
| 6 | No Restrictions, PIN Preferred | All services allowed. PIN should be prompted when feasible but is not strictly mandatory. Prioritize PIN over signature. |
| 7 | Goods & Services Only, PIN Preferred | Card restricted to goods and services only. PIN should be prompted when feasible but is not strictly mandatory. |
| 8 | No Restrictions, PIN Not Required (Domestic-Only Use) | All services allowed with no PIN requirement. Specifically flagged for domestic-only use scenarios under certain network rules. |
MCC Merchant Category Codes
Merchant Category Codes (MCC) are 4-digit numbers (ISO 18245) assigned by card networks to
classify
merchants by business type. MCCs determine interchange
rates,
rewards categories, and
transaction restrictions.
Example: 5411 = Grocery Stores & Supermarkets.
| MCC | Description | Details | Category |
|---|---|---|---|
| 0742 | Veterinary Services | Veterinary services for animals and livestock. | Agricultural |
| 0763 | Agricultural Cooperatives | Agricultural cooperative organizations. | Agricultural |
| 0780 | Landscaping & Horticultural Services | Landscaping, lawn care, and horticultural services. | Agricultural |
| 1520 | General Contractors — Residential & Commercial | Residential and commercial building construction. | Contracted |
| 1711 | Heating, Plumbing, A/C Contractors | HVAC, plumbing, and air conditioning services. | Contracted |
| 1731 | Electrical Contractors | Electrical installation and repair services. | Contracted |
| 1740 | Masonry, Stonework, Tile & Plastering | Masonry, stonework, tiling, and plastering contractors. | Contracted |
| 1750 | Carpentry Contractors | Carpentry and woodwork installation services. | Contracted |
| 1761 | Roofing, Siding & Sheet Metal | Roofing, siding, and sheet metal work. | Contracted |
| 1771 | Concrete Work Contractors | Concrete pouring, finishing, and repair. | Contracted |
| 1799 | Special Trade Contractors (NEC) | Specialized trade contractors not elsewhere classified. | Contracted |
| 2741 | Miscellaneous Publishing & Printing | Publishing and printing services. | Contracted |
| 2791 | Typesetting, Plate Making & Related | Typesetting, engraving, and plate making services. | Contracted |
| 2842 | Specialty Cleaning, Polishing & Sanitation | Specialty cleaning preparations and sanitation supplies. | Contracted |
| 3000 | United Airlines | United Airlines ticket purchases. | Transportation |
| 3001 | American Airlines | American Airlines ticket purchases. | Transportation |
| 3002 | Pan American World Airways | Pan American World Airways. | Transportation |
| 3003 | Eurofly / Meridiana | Eurofly / Meridiana Airlines. | Transportation |
| 3004 | Dragon Air | Dragon Air / Cathay Dragon. | Transportation |
| 3005 | British Airways | British Airways ticket purchases. | Transportation |
| 3006 | Japan Airlines | Japan Airlines (JAL) ticket purchases. | Transportation |
| 3007 | Air France | Air France ticket purchases. | Transportation |
| 3008 | Lufthansa | Deutsche Lufthansa AG ticket purchases. | Transportation |
| 3009 | Air Canada | Air Canada ticket purchases. | Transportation |
| 3010 | KLM Royal Dutch Airlines | KLM (Royal Dutch Airlines) ticket purchases. | Transportation |
| 3011 | AeroMexico | AeroMexico ticket purchases. | Transportation |
| 3012 | Qantas Airways | Qantas Airways ticket purchases. | Transportation |
| 3013 | Alitalia | Alitalia — Società Aerea Italiana. | Transportation |
| 3014 | Saudi Arabian Airlines | Saudia (Saudi Arabian Airlines). | Transportation |
| 3015 | Swiss International Air Lines | SWISS International Air Lines. | Transportation |
| 3016 | SAS (Scandinavian Airlines) | SAS Scandinavian Airlines. | Transportation |
| 3017 | South African Airways | South African Airways. | Transportation |
| 3018 | Varig Brazilian Airlines | Varig (Brazilian Airlines). | Transportation |
| 3020 | Air India | Air India ticket purchases. | Transportation |
| 3021 | Air Algérie | Air Algérie ticket purchases. | Transportation |
| 3023 | TAP Air Portugal | TAP Air Portugal. | Transportation |
| 3026 | Ryanair | Ryanair ticket purchases. | Transportation |
| 3031 | Delta Air Lines | Delta Air Lines ticket purchases. | Transportation |
| 3032 | ANA (All Nippon Airways) | All Nippon Airways. | Transportation |
| 3033 | Cathay Pacific | Cathay Pacific Airways. | Transportation |
| 3035 | Singapore Airlines | Singapore Airlines. | Transportation |
| 3036 | Emirates | Emirates airline. | Transportation |
| 3038 | Korean Air | Korean Air Lines. | Transportation |
| 3039 | Turkish Airlines | Turkish Airlines (THY). | Transportation |
| 3044 | Air Lanka / SriLankan | SriLankan Airlines. | Transportation |
| 3045 | Aeroflot | Aeroflot Russian Airlines. | Transportation |
| 3048 | China Airlines | China Airlines (Taiwan). | Transportation |
| 3049 | China Eastern Airlines | China Eastern Airlines. | Transportation |
| 3050 | China Southern Airlines | China Southern Airlines. | Transportation |
| 3058 | Etihad Airways | Etihad Airways. | Transportation |
| 3060 | Vietnam Airlines | Vietnam Airlines. | Transportation |
| 3061 | Qatar Airways | Qatar Airways. | Transportation |
| 3064 | Eva Airways | EVA Air (Taiwan). | Transportation |
| 3066 | Southwest Airlines | Southwest Airlines. | Transportation |
| 3068 | Spirit Airlines | Spirit Airlines. | Transportation |
| 3069 | JetBlue Airways | JetBlue Airways. | Transportation |
| 3071 | Frontier Airlines | Frontier Airlines. | Transportation |
| 3075 | easyJet | easyJet (European low-cost carrier). | Transportation |
| 3082 | Alaska Airlines | Alaska Airlines. | Transportation |
| 3083 | Avianca | Avianca (Colombian airline). | Transportation |
| 3085 | El Al Israel Airlines | El Al Israel Airlines. | Transportation |
| 3087 | Hawaiian Airlines | Hawaiian Airlines. | Transportation |
| 3088 | Icelandair | Icelandair. | Transportation |
| 3096 | Aegean Airlines | Aegean Airlines (Greece). | Transportation |
| 3099 | Cathay Pacific | Cathay Pacific (alternate). | Transportation |
| 3100 | Finnair | Finnair (Finland). | Transportation |
| 3102 | Iberia Airlines | Iberia Airlines (Spain). | Transportation |
| 3106 | Air Europa | Air Europa (Spain). | Transportation |
| 3111 | British Midland | British Midland International. | Transportation |
| 3127 | WestJet | WestJet Airlines (Canada). | Transportation |
| 3137 | Thai Airways | Thai Airways International. | Transportation |
| 3148 | Air China | Air China. | Transportation |
| 3159 | Austrian Airlines | Austrian Airlines. | Transportation |
| 3174 | Jet Airways | Jet Airways (India). | Transportation |
| 3177 | FlyDubai | FlyDubai. | Transportation |
| 3187 | IndiGo Airlines | IndiGo Airlines (India). | Transportation |
| 3206 | Volaris | Volaris (Mexico low-cost). | Transportation |
| 3212 | Norwegian Air Shuttle | Norwegian Air Shuttle. | Transportation |
| 3217 | Vueling | Vueling Airlines (Spain). | Transportation |
| 3228 | WizzAir | Wizz Air (European low-cost). | Transportation |
| 3246 | Silver Airways | Silver Airways (regional US). | Transportation |
| 3261 | Air New Zealand | Air New Zealand. | Transportation |
| 3351 | Affiliated Auto Rental | Affiliated Auto Rental. | Transportation |
| 3352 | American International Rent-A-Car | American International Rent-A-Car. | Transportation |
| 3353 | Brooks Rent-A-Car | Brooks Rent-A-Car. | Transportation |
| 3354 | Action Auto Rental | Action Auto Rental. | Transportation |
| 3355 | Sixt Rent-A-Car | Sixt car rental. | Transportation |
| 3357 | Hertz | Hertz car rental. | Transportation |
| 3359 | Payless Car Rental | Payless Car Rental. | Transportation |
| 3361 | National Car Rental | National Car Rental. | Transportation |
| 3362 | Avis Rent-A-Car | Avis car rental. | Transportation |
| 3364 | Agency Rent-A-Car | Agency Rent-A-Car. | Transportation |
| 3366 | Budget Rent-A-Car | Budget car rental. | Transportation |
| 3368 | Holiday Rent-A-Car / Caliber | Holiday / Caliber car rental. | Transportation |
| 3370 | Rent-A-Wreck | Rent-A-Wreck car rental. | Transportation |
| 3374 | Advantage Rent-A-Car | Advantage Rent-A-Car. | Transportation |
| 3376 | Ajax Rent-A-Car | Ajax Rent-A-Car. | Transportation |
| 3381 | Europcar | Europcar car rental. | Transportation |
| 3385 | Tropical/Alamo Rent-A-Car | Alamo Rent A Car. | Transportation |
| 3386 | Ace Rent-A-Car | Ace Rent-A-Car. | Transportation |
| 3387 | Thrifty Car Rental | Thrifty Car Rental. | Transportation |
| 3389 | Dollar Rent-A-Car | Dollar Rent-A-Car. | Transportation |
| 3390 | EZ Rent-A-Car | EZ Rent-A-Car. | Transportation |
| 3393 | Enterprise Rent-A-Car | Enterprise car rental. | Transportation |
| 3395 | Fox Rent-A-Car | Fox Rent-A-Car. | Transportation |
| 3396 | Zipcar | Zipcar (car sharing service). | Transportation |
| 3398 | Midway Car Rental | Midway Car Rental. | Transportation |
| 3400 | Auto Host Car Rental | Auto Host Car Rental. | Transportation |
| 3405 | Turo | Turo (peer-to-peer car sharing). | Transportation |
| 3409 | General Rent-A-Car | General Rent-A-Car. | Transportation |
| 3412 | A-1 Rent-A-Car | A-1 Rent-A-Car. | Transportation |
| 3420 | Ansa International Rent-A-Car | Ansa International. | Transportation |
| 3421 | Allstate Rent-A-Car | Allstate Rent-A-Car. | Transportation |
| 3425 | Automate Rent-A-Car | Automate Rent-A-Car. | Transportation |
| 3427 | Avcar Rent-A-Car | Avcar Rent-A-Car. | Transportation |
| 3428 | Avon Rent-A-Car | Avon Rent-A-Car. | Transportation |
| 3429 | Carey Rent-A-Car | Carey Rent-A-Car. | Transportation |
| 3430 | Willard of Florida Rent-A-Car | Willard of Florida. | Transportation |
| 3431 | International Car Rental | International Car Rental. | Transportation |
| 3432 | King Rent-A-Car | King Rent-A-Car. | Transportation |
| 3433 | Murray's Rent-A-Car | Murray's Rent-A-Car. | Transportation |
| 3441 | Discount Car Rental | Discount Car Rental. | Transportation |
| 3501 | Holiday Inns / Holiday Inn Express | Holiday Inn / Holiday Inn Express hotels. | Travel |
| 3502 | Best Western Hotels | Best Western International hotels. | Travel |
| 3503 | Sheraton Hotels | Sheraton Hotels & Resorts. | Travel |
| 3504 | Hilton Hotels | Hilton Hotels & Resorts. | Travel |
| 3505 | Forte Hotels | Forte Hotels (Le Méridien). | Travel |
| 3506 | Golden Tulip Hotels | Golden Tulip Hotels. | Travel |
| 3507 | Friendship Inns / Quality Inn | Quality Inn / Friendship Inns. | Travel |
| 3508 | Quality Hotels / Quality Suites | Quality Hotels & Suites. | Travel |
| 3509 | Marriott Hotels | Marriott Hotels & Resorts. | Travel |
| 3510 | Days Inn | Days Inn hotels. | Travel |
| 3511 | Arabella Hotels | Arabella Hotels. | Travel |
| 3512 | Inter-Continental Hotels | InterContinental Hotels Group (IHG). | Travel |
| 3515 | Rodeway Inns | Rodeway Inn hotels. | Travel |
| 3516 | La Quinta Inns | La Quinta Inns & Suites. | Travel |
| 3517 | Americana Hotels | Americana Hotels. | Travel |
| 3518 | Sol Meliá Hotels | Meliá Hotels International. | Travel |
| 3519 | Pullman Hotels | Pullman Hotels (AccorHotels). | Travel |
| 3520 | Méridien Hotels | Le Méridien Hotels. | Travel |
| 3521 | Royal Lahaina Resort | Royal Lahaina Resort. | Travel |
| 3522 | Tokyo Hotel | Tokyo Hotel. | Travel |
| 3523 | Peninsula Hotels | The Peninsula Hotels. | Travel |
| 3524 | Welcomgroup Hotels | ITC WelcomGroup Hotels. | Travel |
| 3525 | Dunfey Hotels | Dunfey Hotels. | Travel |
| 3527 | Downtowner Inns | Downtowner Inns. | Travel |
| 3528 | Red Lion Hotels | Red Lion Hotels. | Travel |
| 3529 | Park Inn / CP Hotels | Park Inn by Radisson / CP Hotels. | Travel |
| 3530 | Shangri-La Hotels | Shangri-La Hotels & Resorts. | Travel |
| 3531 | Accor Hotels | Accor Hotels (Ibis, Novotel, Sofitel). | Travel |
| 3532 | Prince Hotels | Prince Hotels (Japan). | Travel |
| 3533 | Four Seasons Hotels | Four Seasons Hotels and Resorts. | Travel |
| 3535 | Hilton International | Hilton International. | Travel |
| 3536 | ITT Sheraton | ITT Sheraton Corporation. | Travel |
| 3537 | Ritz-Carlton Hotels | The Ritz-Carlton Hotel Company. | Travel |
| 3538 | Intercontinental Hotels | IHG / InterContinental Hotels Group. | Travel |
| 3539 | Swissôtel | Swissôtel Hotels & Resorts. | Travel |
| 3540 | Radisson Hotels | Radisson Hotel Group. | Travel |
| 3541 | Grand Hyatt | Grand Hyatt Hotels. | Travel |
| 3542 | Hyatt Hotels | Hyatt Hotels Corporation. | Travel |
| 3543 | Wyndham Hotels | Wyndham Hotels & Resorts. | Travel |
| 3544 | NH Hotels | NH Hotel Group. | Travel |
| 3545 | Sandman Hotels | Sandman Hotels (Canada). | Travel |
| 3546 | Comfort Hotels | Comfort Inn / Comfort Suites. | Travel |
| 3548 | Omni Hotels | Omni Hotels & Resorts. | Travel |
| 3550 | Steigenberger Hotels | Steigenberger Hotels (Germany). | Travel |
| 3551 | Kempinski Hotels | Kempinski Hotels. | Travel |
| 3558 | Club Méditerranée | Club Med resorts. | Travel |
| 3562 | Motel 6 / Studio 6 | Motel 6 and Studio 6 hotels. | Travel |
| 3565 | Trident Hotels | Trident Hotels (Oberoi Group). | Travel |
| 3568 | Ladbroke Hotels | Ladbroke / Hilton Group Hotels. | Travel |
| 3570 | Forum Hotels | Forum Hotels. | Travel |
| 3572 | Miyako Hotels | Miyako Hotels (Japan). | Travel |
| 3573 | Sandals Resorts | Sandals Resorts International. | Travel |
| 3574 | Mandarin Oriental Hotels | Mandarin Oriental Hotel Group. | Travel |
| 3575 | Sokos Hotels | Sokos Hotels (Finland). | Travel |
| 3577 | Scandic Hotels | Scandic Hotels. | Travel |
| 3578 | Plaza Hotels | The Plaza Hotel. | Travel |
| 3579 | Hotel Okura | Hotel Okura (Japan). | Travel |
| 3580 | Dusit Hotels | Dusit International. | Travel |
| 3589 | Helmsley Hotels | Helmsley Hotels. | Travel |
| 3590 | Fairmont Hotels | Fairmont Hotels & Resorts. | Travel |
| 3595 | Sonesta Hotels | Sonesta International Hotels. | Travel |
| 3599 | Choice Hotels | Choice Hotels International. | Travel |
| 3600 | Ibis Hotels | Ibis Hotels (AccorHotels). | Travel |
| 3603 | Noah's Hotels | Noah's Hotels. | Travel |
| 3612 | Movenpick Hotels | Mövenpick Hotels & Resorts. | Travel |
| 3615 | Travelodge | Travelodge hotels. | Travel |
| 3620 | Telford Hotels | Telford Hotels. | Travel |
| 3621 | W Hotels | W Hotels (Marriott). | Travel |
| 3622 | Westin Hotels | Westin Hotels & Resorts. | Travel |
| 3623 | St. Regis Hotels | St. Regis Hotels & Resorts. | Travel |
| 3624 | Element Hotels | Element by Westin. | Travel |
| 3625 | Aloft Hotels | Aloft Hotels (Marriott). | Travel |
| 3626 | AC Hotels | AC Hotels by Marriott. | Travel |
| 3628 | SpringHill Suites | SpringHill Suites by Marriott. | Travel |
| 3629 | Fairfield Inn | Fairfield Inn by Marriott. | Travel |
| 3631 | Residence Inn | Residence Inn by Marriott. | Travel |
| 3632 | Courtyard by Marriott | Courtyard by Marriott. | Travel |
| 3634 | TownePlace Suites | TownePlace Suites by Marriott. | Travel |
| 3635 | Protea Hotels | Protea Hotels (Marriott). | Travel |
| 3637 | Airbnb | Airbnb short-term rentals and experiences. | Travel |
| 3638 | HomeAway / VRBO | HomeAway / VRBO vacation rentals. | Travel |
| 3640 | Extended Stay Hotels | Extended Stay America. | Travel |
| 3641 | Staybridge Suites | Staybridge Suites (IHG). | Travel |
| 3642 | Club Quarters Hotels | Club Quarters Hotels. | Travel |
| 3644 | Maritime Hotels | Maritime Hotels. | Travel |
| 3645 | Canadas Best Value Inn | Canada's Best Value Inn. | Travel |
| 3648 | De Vere Hotels | De Vere Hotels (UK). | Travel |
| 3649 | MGM Resorts | MGM Resorts International. | Travel |
| 4011 | Railroads — Freight | Railroad freight transportation services. | Transportation |
| 4111 | Local/Suburban Commuter Transport | Local and suburban commuter passenger transportation (bus, trolley, subway). | Transportation |
| 4112 | Passenger Railways | Passenger railway tickets (intercity, commuter rail, Amtrak). | Transportation |
| 4119 | Ambulance Services | Ambulance and emergency medical transportation. | Transportation |
| 4121 | Taxicabs & Rideshares | Taxicabs, rideshare services (Uber, Lyft). | Transportation |
| 4131 | Bus Lines — Charter/Tour | Bus charter, tour, and intercity bus services. | Transportation |
| 4214 | Motor Freight Carriers & Trucking | Trucking, local and long-distance freight carriers. | Transportation |
| 4215 | Courier Services — Air & Ground | Express courier/delivery services (FedEx, UPS, DHL). | Transportation |
| 4225 | Public Warehousing & Storage | Public warehousing, storage, and related services. | Transportation |
| 4411 | Steamship & Cruise Lines | Cruise lines and steamship companies. | Transportation |
| 4457 | Boat Rentals & Leasing | Boat and watercraft rentals and leasing. | Transportation |
| 4468 | Marinas & Marine Service/Supply | Marinas, marine service and supply. | Transportation |
| 4511 | Airlines & Air Carriers (NEC) | Airlines and air carriers not elsewhere classified. | Transportation |
| 4582 | Airports, Airport Terminals & Flying Fields | Airport terminal services, landing fees. | Transportation |
| 4722 | Travel Agencies & Tour Operators | Travel agency services and tour operators. | Travel |
| 4723 | Package Tour Operators | Package tour operators (Germany-specific). | Travel |
| 4784 | Bridge & Road Tolls | Tolls for bridges, roads, tunnels, and highways. | Transportation |
| 4789 | Transportation Services (NEC) | Other transportation services not elsewhere classified. | Transportation |
| 4812 | Telecommunication Equipment | Telephone and telecom equipment sales and supplies. | Services |
| 4813 | Telecommunication Services | Telecommunications services including long-distance calls. | Services |
| 4814 | Telephone / Fax Services | Telephone and facsimile services. | Services |
| 4815 | Monthly Summary Telephone Charges | Monthly summary telephone charges (VisaPhone). | Services |
| 4816 | Computer Network / Information Services | Computer network and information services. | Services |
| 4821 | Telegraph Services | Telegraph services. | Services |
| 4829 | Wire Transfers & Money Orders | Wire transfer and money order services. | Services |
| 4899 | Cable, Satellite & Pay Television | Cable, satellite, and pay-per-view television services. | Services |
| 4900 | Utilities — Electric, Gas, Water, Sanitary | Utility companies: electric, gas, water, and sanitary services. | Services |
| 5013 | Motor Vehicle Supplies & New Parts | Wholesale motor vehicle supplies and new parts. | Retail |
| 5021 | Office & Commercial Furniture | Office and commercial furniture. | Retail |
| 5039 | Construction Materials (NEC) | Construction materials not elsewhere classified. | Retail |
| 5044 | Office, Photographic, Photocopy & Microfilm Equipment | Office/photographic equipment. | Retail |
| 5045 | Computers & Peripherals | Computer hardware, peripherals, and software. | Retail |
| 5046 | Commercial Equipment (NEC) | Commercial equipment not elsewhere classified. | Retail |
| 5047 | Medical & Dental Equipment | Dental/medical/hospital equipment and supplies. | Retail |
| 5051 | Metal Service Centers & Offices | Metal service centers and offices. | Retail |
| 5065 | Electronic Parts & Equipment | Electronic components and parts wholesale. | Retail |
| 5072 | Hardware Equipment & Supplies | Hardware equipment and supplies wholesale. | Retail |
| 5074 | Plumbing & Heating Equipment | Plumbing and heating equipment and supplies. | Retail |
| 5085 | Industrial Supplies (NEC) | Industrial supplies not elsewhere classified. | Retail |
| 5094 | Precious Stones & Metals (Wholesale) | Precious stones, metals, watches, and jewelry wholesale. | Retail |
| 5099 | Durable Goods (NEC) | Durable goods wholesalers not elsewhere classified. | Retail |
| 5111 | Stationery & Office Supplies | Stationery, office supplies, printing, and writing paper. | Retail |
| 5122 | Drugs, Drug Proprietaries & Sundries | Drug, drug proprietaries, and drugist sundries. | Retail |
| 5131 | Piece Goods, Notions, Dry Goods | Piece goods, notions, and other dry goods. | Retail |
| 5137 | Uniforms & Commercial Clothing | Men's, women's, and children's uniforms and commercial clothing. | Retail |
| 5139 | Commercial Footwear | Commercial footwear wholesale. | Retail |
| 5169 | Chemicals & Allied Products (NEC) | Chemicals and allied products not elsewhere classified. | Retail |
| 5172 | Petroleum & Petroleum Products | Petroleum and petroleum products wholesale. | Retail |
| 5192 | Books, Periodicals & Newspapers | Books, periodicals, and newspapers wholesale. | Retail |
| 5193 | Florists' Supplies & Nursery Stock | Florists' supplies, nursery stock, and flowers. | Retail |
| 5198 | Paints, Varnishes & Supplies | Paints, varnishes, and supplies. | Retail |
| 5199 | Nondurable Goods (NEC) | Nondurable goods wholesalers not elsewhere classified. | Retail |
| 5200 | Home Supply & Warehouse Stores | Home supply warehouse stores. | Retail |
| 5211 | Lumber & Building Materials Stores | Building materials, lumber yards. | Retail |
| 5231 | Glass, Paint & Wallpaper Stores | Glass, paint, and wallpaper stores. | Retail |
| 5251 | Hardware Stores | Hardware stores. | Retail |
| 5261 | Nurseries — Lawn & Garden Supply | Nurseries, lawn and garden supply stores. | Retail |
| 5271 | Mobile Home Dealers | Mobile and manufactured home dealers. | Retail |
| 5300 | Wholesale Clubs | Wholesale clubs (Costco, Sam's Club, BJ's). | Retail |
| 5309 | Duty Free Stores | Duty-free retail stores. | Retail |
| 5310 | Discount Stores | Discount department stores. | Retail |
| 5311 | Department Stores | Department stores (Macy's, Nordstrom, JCPenney). | Retail |
| 5331 | Variety Stores | Variety stores (Dollar stores, five-and-dime). | Retail |
| 5399 | General Merchandise (Misc.) | Miscellaneous general merchandise. | Retail |
| 5411 | Grocery Stores & Supermarkets | Grocery stores and supermarkets. | Retail |
| 5422 | Freezer & Locker Meat Provisioners | Freezer and locker meat provisioners. | Retail |
| 5441 | Candy, Nut & Confectionery Stores | Candy, nut, and confectionery stores. | Retail |
| 5451 | Dairy Products Stores | Dairy products stores. | Retail |
| 5462 | Bakeries | Bakeries and bakery shops. | Retail |
| 5499 | Food Stores (Misc.) | Miscellaneous food stores — specialty markets, convenience. | Retail |
| 5511 | Automobile & Truck Dealers (New/Used) | Car and truck dealerships — new and used sales/service. | Retail |
| 5521 | Automobile & Truck Dealers (Used Only) | Used car and truck dealerships. | Retail |
| 5531 | Auto & Home Supply Stores | Auto parts and home supply stores (AutoZone, O'Reilly). | Retail |
| 5532 | Automotive Tire Stores | Automotive tire stores. | Retail |
| 5533 | Automotive Parts & Accessories | Automotive parts and accessories stores. | Retail |
| 5541 | Service Stations (Gas with Ancillary) | Gas stations with convenience stores. | Retail |
| 5542 | Automated Fuel Dispensers | Automated gas/fuel dispensers (pay-at-pump). | Retail |
| 5551 | Boat Dealers | Boat and watercraft dealers. | Retail |
| 5561 | Camper, RV & Utility Trailer Dealers | Recreational vehicle and camper dealers. | Retail |
| 5571 | Motorcycle Shops & Dealers | Motorcycle shops and dealers. | Retail |
| 5592 | Motor Home Dealers | Motor home and RV dealers. | Retail |
| 5598 | Snowmobile Dealers | Snowmobile dealers. | Retail |
| 5599 | Miscellaneous Automotive, Aircraft & Farm Equipment Dealers | Misc. automotive/aircraft/farm equipment dealers (NEC). | Retail |
| 5611 | Men's & Boys' Clothing Stores | Men's and boys' clothing and accessories stores. | Retail |
| 5621 | Women's Ready-to-Wear Stores | Women's ready-to-wear clothing stores. | Retail |
| 5631 | Women's Accessories & Specialty | Women's accessory and specialty stores. | Retail |
| 5641 | Children's & Infants' Wear Stores | Children's and infants' wear stores. | Retail |
| 5651 | Family Clothing Stores | Family clothing stores (Gap, Old Navy, H&M). | Retail |
| 5655 | Sports & Riding Apparel Stores | Sports and riding apparel stores. | Retail |
| 5661 | Shoe Stores | Shoe stores. | Retail |
| 5681 | Furriers & Fur Shops | Furriers and fur shops. | Retail |
| 5691 | Men's & Women's Clothing Stores | Men's and women's clothing stores. | Retail |
| 5697 | Tailors, Seamstresses, Mending & Alterations | Tailors, seamstresses, mending, and alterations. | Retail |
| 5698 | Wig & Toupee Stores | Wig and toupee stores. | Retail |
| 5699 | Apparel & Accessories (Misc.) | Miscellaneous apparel and accessory shops. | Retail |
| 5712 | Furniture, Home Furnishings & Equipment | Furniture, home furnishings stores (IKEA, Pottery Barn). | Retail |
| 5713 | Floor Covering Stores | Floor covering stores. | Retail |
| 5714 | Drapery, Window Covering & Upholstery | Drapery, window covering, and upholstery stores. | Retail |
| 5718 | Fireplace, Fireplace Screens & Accessories | Fireplace, fireplace screens, and accessories stores. | Retail |
| 5719 | Miscellaneous Home Furnishing Stores | Miscellaneous home furnishing specialty stores. | Retail |
| 5722 | Household Appliance Stores | Household appliance stores. | Retail |
| 5732 | Electronics Stores | Electronics stores (Best Buy, Apple Store). | Retail |
| 5733 | Music Stores & Instruments | Music stores — instruments, pianos, and sheet music. | Retail |
| 5734 | Computer Software Stores | Computer software stores. | Retail |
| 5735 | Record Stores | Record stores (vinyl, CD, digital music). | Retail |
| 5811 | Caterers | Catering services and caterers. | Retail |
| 5812 | Eating Places & Restaurants | Restaurants, dining establishments, and fast food. | Retail |
| 5813 | Bars, Cocktail Lounges, Taverns & Nightclubs | Drinking places — bars, lounges, pubs, nightclubs. | Retail |
| 5814 | Fast Food Restaurants | Fast food restaurants and quick-service establishments. | Retail |
| 5815 | Digital Goods — Media | Digital goods: books, movies, music, streaming (Netflix, Spotify, Kindle). | Retail |
| 5816 | Digital Goods — Games | Digital goods: games, in-app purchases, game subscriptions. | Retail |
| 5817 | Digital Goods — Applications | Digital goods: software applications, SaaS, cloud apps. | Retail |
| 5818 | Digital Goods — Large Volume Merchant | Digital goods: large digital merchants (Apple, Google). | Retail |
| 5912 | Drug Stores & Pharmacies | Drug stores and pharmacies (CVS, Walgreens). | Retail |
| 5921 | Package Stores — Beer, Wine, Liquor | Liquor stores, beer and wine shops. | Retail |
| 5931 | Used Merchandise & Secondhand Stores | Used merchandise and secondhand stores. | Retail |
| 5932 | Antique Shops — Sales, Repairs & Restoration | Antique shops. | Retail |
| 5933 | Pawn Shops | Pawn shops. | Retail |
| 5935 | Wrecking & Salvage Yards | Wrecking and salvage yards. | Retail |
| 5937 | Antique Reproductions | Antique reproductions. | Retail |
| 5940 | Bicycle Shops — Sales & Service | Bicycle shops — sales and service. | Retail |
| 5941 | Sporting Goods Stores | Sporting goods stores (Dick's, REI). | Retail |
| 5942 | Book Stores | Book stores (Barnes & Noble). | Retail |
| 5943 | Stationery Stores | Stationery, office supply, and printing stores. | Retail |
| 5944 | Jewelry Stores & Watch/Clock Repair | Jewelry stores, watch and clock repair. | Retail |
| 5945 | Hobby, Toy & Game Shops | Hobby, toy, and game shops. | Retail |
| 5946 | Camera & Photographic Supply Stores | Camera and photographic supply stores. | Retail |
| 5947 | Gift, Card, Novelty & Souvenir Shops | Gift, card, novelty, and souvenir shops. | Retail |
| 5948 | Luggage & Leather Goods Stores | Luggage and leather goods stores. | Retail |
| 5949 | Sewing, Needlework & Fabric Stores | Sewing, needlework, fabric, and piece goods stores. | Retail |
| 5950 | Glassware & Crystal Stores | Glassware and crystal stores. | Retail |
| 5960 | Direct Marketing — Insurance Services | Direct marketing: insurance. | Retail |
| 5962 | Direct Marketing — Travel Services | Direct marketing: travel-related arrangements. | Retail |
| 5963 | Door-to-Door Sales | Door-to-door sales. | Retail |
| 5964 | Direct Marketing — Catalog Merchants | Direct marketing: catalog merchants. | Retail |
| 5965 | Direct Marketing — Retail Catalog | Direct marketing: catalog and retail merchant (combined). | Retail |
| 5966 | Direct Marketing — Outbound Telemarketing | Direct marketing: outbound telemarketing. | Retail |
| 5967 | Direct Marketing — Inbound Telemarketing | Direct marketing: inbound teleservices. | Retail |
| 5968 | Direct Marketing — Subscriptions | Direct marketing: continuity/subscription merchants. | Retail |
| 5969 | Direct Marketing — Other | Direct marketing: other direct marketers (NEC). | Retail |
| 5970 | Artist's Supply & Craft Stores | Artist's supply and craft stores. | Retail |
| 5971 | Art Dealers & Galleries | Art dealers and galleries. | Retail |
| 5972 | Stamp & Coin Stores | Stamp and coin stores — philatelic and numismatic. | Retail |
| 5973 | Religious Goods Stores | Religious goods stores. | Retail |
| 5975 | Hearing Aids — Sales, Service & Supply | Hearing aids sales and service. | Retail |
| 5976 | Orthopedic Goods — Prosthetic Devices | Orthopedic goods and prosthetic devices. | Retail |
| 5977 | Cosmetic Stores | Cosmetic stores (Sephora, Ulta). | Retail |
| 5978 | Typewriter Stores — Sales, Rentals, Service | Typewriter stores. | Retail |
| 5983 | Fuel Dealers — Coal, LPG, Wood, Oil, Heating | Fuel dealers: fuel oil, wood, coal, LPG. | Retail |
| 5992 | Florists | Florists and flower shops. | Retail |
| 5993 | Cigar Stores & Stands | Cigar stores and stands. | Retail |
| 5994 | News Dealers & Newsstands | News dealers and newsstands. | Retail |
| 5995 | Pet Shops, Pet Food & Supplies | Pet shops, pet food, and supplies (Petco, PetSmart). | Retail |
| 5996 | Swimming Pool Sales & Service | Swimming pools — sales, service, and supplies. | Retail |
| 5997 | Electric Razor Stores | Electric razor stores — sales and service. | Retail |
| 5998 | Tent & Awning Shops | Tent and awning shops. | Retail |
| 5999 | Miscellaneous Specialty Retail | Miscellaneous and specialty retail stores (NEC). | Retail |
| 6010 | Financial Institutions — Manual Cash | Manual cash disbursements at bank counters. | Services |
| 6011 | Financial Institutions — Automated Cash (ATM) | ATM cash disbursements and withdrawals. | Services |
| 6012 | Financial Institutions — Merchandise & Services | Financial institution merchandise, services, and member purchases. | Services |
| 6051 | Non-Financial Institutions — Foreign Currency, Money Orders | Non-FI: foreign currency, travelers checks, money orders. | Services |
| 6211 | Security Brokers & Dealers | Security brokers and dealers (stocks, bonds, mutual funds). | Services |
| 6300 | Insurance Sales, Underwriting & Premiums | Insurance sales, underwriting, and premium payments. | Services |
| 6381 | Insurance Premiums (Direct) | Insurance premium payments (direct). | Services |
| 6399 | Insurance (Not Elsewhere Classified) | Insurance providers — NEC. | Services |
| 6513 | Real Estate Agents & Managers — Rentals | Real estate agents and managers — rent payments. | Services |
| 6532 | Payment Transaction — Member Financial Institution | Payment transactions between member financial institutions. | Services |
| 6533 | Payment Transaction — Merchant | Payment transactions — merchant-initiated. | Services |
| 6536 | MoneySend Intracountry | Mastercard MoneySend funding (intracountry). | Services |
| 6537 | MoneySend Intercountry | Mastercard MoneySend funding (intercountry). | Services |
| 6538 | MoneySend Funding | Mastercard MoneySend (general funding). | Services |
| 6540 | POI Funding Transactions | Point of interaction (POI) funding transactions — stored value card load/reload. | Services |
| 7011 | Lodging — Hotels, Motels & Resorts | Hotels, motels, and resorts (NEC). | Professional |
| 7012 | Timeshares | Timeshares and vacation property rentals. | Professional |
| 7032 | Sporting & Recreation Camps | Sporting and recreational camps. | Professional |
| 7033 | Trailer Parks & Campgrounds | Trailer parks and campgrounds. | Professional |
| 7210 | Laundry, Cleaning & Garment Services | Laundry, cleaning, and garment services. | Professional |
| 7211 | Laundry — Family & Commercial | Laundry services — family and commercial. | Professional |
| 7216 | Dry Cleaners | Dry cleaners. | Professional |
| 7217 | Carpet & Upholstery Cleaning | Carpet and upholstery cleaning services. | Professional |
| 7221 | Photographic Studios | Photographic studios — portraits. | Professional |
| 7230 | Barber & Beauty Shops | Barber and beauty shops / salons. | Professional |
| 7251 | Shoe Repair, Hat Cleaning & Shine | Shoe repair shops, shoe shine, hat cleaning. | Professional |
| 7261 | Funeral Services & Crematories | Funeral services and crematories. | Professional |
| 7273 | Dating & Escort Services | Dating and escort services. | Professional |
| 7276 | Tax Preparation Services | Tax preparation services. | Professional |
| 7277 | Counseling Services | Counseling services — debt, marriage, personal. | Professional |
| 7278 | Buying & Shopping Services | Buying and shopping services and clubs. | Professional |
| 7296 | Clothing Rental | Clothing rental — costumes, formal wear, uniforms. | Professional |
| 7297 | Massage Parlors | Massage parlors. | Professional |
| 7298 | Health & Beauty Spas | Health and beauty spas. | Professional |
| 7299 | Miscellaneous Personal Services (NEC) | Miscellaneous personal services (NEC). | Professional |
| 7311 | Advertising Services | Advertising services. | Professional |
| 7321 | Consumer Credit Reporting Agencies | Credit reporting agencies (Experian, TransUnion, Equifax). | Professional |
| 7333 | Commercial Photography, Art & Graphics | Commercial photography, art, and graphics. | Professional |
| 7338 | Quick Copy, Reproduction & Blueprinting | Quick copy, reproduction, and blueprinting services. | Professional |
| 7339 | Stenographic & Secretarial Services | Stenographic and secretarial support services. | Professional |
| 7342 | Exterminating & Disinfecting Services | Pest control, exterminating, and disinfecting. | Professional |
| 7349 | Cleaning, Maintenance & Janitorial | Building cleaning, maintenance, and janitorial services. | Professional |
| 7361 | Employment Agencies & Temporary Help | Employment agencies and temporary staffing. | Professional |
| 7372 | Computer Programming, Data Processing & Software | Computer programming, data processing, integrated systems design, and packaged software. | Professional |
| 7375 | Information Retrieval Services | Information retrieval services — online databases. | Professional |
| 7379 | Computer Maintenance & Repair | Computer maintenance, repair, and services (NEC). | Professional |
| 7392 | Management, Consulting & Public Relations | Management consulting and public relations services. | Professional |
| 7393 | Detective & Protective Agencies | Detective agencies, protective services, guard services. | Professional |
| 7394 | Equipment, Tool, Furniture Rental & Leasing | Equipment rental and leasing. | Professional |
| 7395 | Photofinishing Laboratories & Development | Photo developing and photofinishing laboratories. | Professional |
| 7399 | Business Services (NEC) | Miscellaneous business services not elsewhere classified. | Professional |
| 7511 | Truck Stop | Truck stops. | Professional |
| 7512 | Automobile Rental Agency | Automobile rental agencies (NEC). | Professional |
| 7513 | Truck & Utility Trailer Rentals | Truck and utility trailer rentals. | Professional |
| 7519 | Motor Home & RV Rentals | Motor home and recreational vehicle rentals. | Professional |
| 7523 | Parking Lots & Garages | Parking lots, garages, and parking meters. | Professional |
| 7531 | Automotive Body Repair Shops | Automotive body repair shops. | Professional |
| 7534 | Tire Retreading & Repair Shops | Tire retreading and repair shops. | Professional |
| 7535 | Automotive Paint Shops | Automotive paint shops. | Professional |
| 7538 | Automotive Service Shops (Non-Dealer) | Automotive service shops — non-dealer. | Professional |
| 7542 | Car Washes | Car wash services. | Professional |
| 7549 | Towing Services | Towing services. | Professional |
| 7622 | Electronics Repair Shops | Electronics repair shops. | Professional |
| 7623 | A/C & Refrigeration Repair Shops | Air conditioning and refrigeration repair shops. | Professional |
| 7629 | Electrical & Small Appliance Repair | Small appliance repair shops. | Professional |
| 7631 | Watch, Clock & Jewelry Repair | Watch, clock, and jewelry repair shops. | Professional |
| 7641 | Furniture — Reupholstery, Repair & Refinishing | Furniture repair, reupholstery, and refinishing. | Professional |
| 7692 | Welding Repair | Welding repair. | Professional |
| 7699 | Miscellaneous Repair Shops & Related | Miscellaneous repair shops and related services. | Professional |
| 7800 | Government-Owned Lotteries | Government-owned lotteries (non-US only). | Professional |
| 7801 | Government-Licensed Online Casinos (Online Gambling) | Internet gambling (government-licensed, non-US). | Professional |
| 7802 | Government-Licensed Horse/Dog Racing | Government-licensed horse/dog racing (non-US). | Professional |
| 7829 | Motion Picture & Video Tape Distribution | Motion picture and video tape production and distribution. | Professional |
| 7832 | Motion Picture Theaters | Motion picture theaters / cinemas. | Professional |
| 7841 | Video Tape Rental Stores | Video tape / DVD rental stores. | Professional |
| 7911 | Dance Halls, Studios & Schools | Dance halls, schools, and studios. | Professional |
| 7922 | Theatrical Producers & Ticket Agencies | Theatrical ticket agencies and producers. | Professional |
| 7929 | Bands, Orchestras & Miscellaneous Entertainment | Bands, orchestras, and entertainers (NEC). | Professional |
| 7932 | Billiard & Pool Establishments | Billiard and pool establishments. | Professional |
| 7933 | Bowling Alleys | Bowling alleys. | Professional |
| 7941 | Commercial Sports, Athletic Fields & Clubs | Professional sports clubs, athletic fields, and promoters. | Professional |
| 7991 | Tourist Attractions & Exhibits | Tourist attractions and exhibits. | Professional |
| 7992 | Golf Courses — Public | Public golf courses. | Professional |
| 7993 | Video Amusement Game Supplies | Video amusement game supplies (arcades). | Professional |
| 7994 | Video Game Arcades & Establishments | Video game arcades and establishments. | Professional |
| 7995 | Betting, Casino Gambling (Chips, Tokens, Tickets) | Betting, casino gambling, chips, tokens, lottery tickets. | Professional |
| 7996 | Amusement Parks, Circuses, Carnivals | Amusement parks, carnivals, circuses, fortune tellers. | Professional |
| 7997 | Clubs — Country, Membership (Athletic, Recreation, Sports) | Country clubs, membership recreation/sports clubs. | Professional |
| 7998 | Aquariums, Seaquariums & Dolphinariums | Aquariums and marine parks. | Professional |
| 7999 | Recreation Services (NEC) | Recreation services not elsewhere classified. | Professional |
| 8011 | Doctors & Physicians (NEC) | Doctors and physicians — not elsewhere classified. | Government |
| 8021 | Dentists & Orthodontists | Dentists and orthodontists. | Government |
| 8031 | Osteopathic Physicians | Osteopathic physicians. | Government |
| 8041 | Chiropractors | Chiropractors. | Government |
| 8042 | Optometrists & Ophthalmologists | Optometrists and ophthalmologists. | Government |
| 8043 | Opticians, Optical Goods & Eyeglasses | Opticians, optical goods, and eyeglasses. | Government |
| 8044 | Optical Goods — Contact Lenses | Optical goods: contact lens and supplies. | Government |
| 8049 | Podiatrists & Chiropodists | Podiatrists and chiropodists — foot specialists. | Government |
| 8050 | Nursing & Personal Care Facilities | Nursing and personal care facilities. | Government |
| 8062 | Hospitals | Hospitals. | Government |
| 8071 | Medical & Dental Laboratories | Medical and dental laboratories. | Government |
| 8099 | Medical Services & Health Practitioners (NEC) | Medical services and health practitioners — NEC. | Government |
| 8111 | Legal Services & Attorneys | Legal services and attorneys. | Government |
| 8211 | Schools — Elementary & Secondary | Elementary and secondary schools. | Government |
| 8220 | Colleges, Universities & Professional Schools | Colleges, universities, and graduate/professional schools. | Government |
| 8241 | Correspondence Schools | Correspondence and distance-learning schools. | Government |
| 8244 | Business & Secretarial Schools | Business and secretarial schools. | Government |
| 8249 | Vocational & Trade Schools | Vocational and trade schools. | Government |
| 8299 | Schools & Educational Services (NEC) | Schools and educational services — NEC. | Government |
| 8351 | Child Care Services | Child care services — daycare, nursery. | Government |
| 8398 | Charitable & Social Service Organizations | Charitable and social service organizations — fundraising. | Government |
| 8641 | Civic, Social & Fraternal Associations | Civic, social, and fraternal associations. | Government |
| 8651 | Political Organizations | Political organizations. | Government |
| 8661 | Religious Organizations | Religious organizations. | Government |
| 8675 | Automobile Associations | Automobile clubs/associations (AAA). | Government |
| 8699 | Membership Organizations (NEC) | Membership organizations not elsewhere classified. | Government |
| 8734 | Testing Laboratories (Non-Medical) | Testing laboratories — non-medical. | Government |
| 8911 | Architectural, Engineering & Surveying Services | Architectural, engineering, and surveying services. | Government |
| 8931 | Accounting, Auditing & Bookkeeping | Accounting, auditing, and bookkeeping services. | Government |
| 8999 | Professional Services (NEC) | Professional services not elsewhere classified. | Government |
| 9211 | Court Costs & Fines | Court costs, including alimony and child support. | Government |
| 9222 | Fines | Fines — government. | Government |
| 9223 | Bail & Bond Payments | Bail and bond payments. | Government |
| 9311 | Tax Payments | Tax payments — federal, state, and local. | Government |
| 9399 | Government Services (NEC) | Government services not elsewhere classified. | Government |
| 9401 | I-Purchasing Pilot | Government I-Purchasing Pilot program. | Government |
| 9402 | Postal Services — Government Only | Postal services: government use only. | Government |
| 9405 | US Federal Government Agencies / Departments | Intra-government purchases — US agencies and departments. | Government |
| 9700 | Automated Referral Service | Automated referral service — Visa only. | Government |
| 9702 | Emergency Services (GCAS) | Emergency services — GCAS Visa. | Government |
| 9751 | UK Supermarkets — Electronic Hot File | UK supermarkets, electronic hot file. | Government |
| 9752 | UK Petrol Stations — Electronic Hot File | UK petrol stations, electronic hot file. | Government |
| 9754 | Gambling — Horse, Dog Racing, State Lottery | Gambling: horse/dog racing, state lotteries. | Government |
| 9950 | Intra-Company Purchases | Intra-company purchases. | Government |
ISO 4217 Currency Codes
ISO 4217 defines numeric and
alphabetic codes for world currencies.
The numeric code appears in ISO 8583 Field 49 (Transaction Currency Code) and Field 51
(Cardholder Billing Currency Code).
Example: 840 / USD =
US Dollar.
| Numeric | Alpha | Currency | Minor Unit | Country / Usage |
|---|---|---|---|---|
| 008 | ALL | Albanian Lek | 2 | Albania |
| 012 | DZD | Algerian Dinar | 2 | Algeria |
| 032 | ARS | Argentine Peso | 2 | Argentina |
| 036 | AUD | Australian Dollar | 2 | Australia |
| 044 | BSD | Bahamian Dollar | 2 | Bahamas |
| 048 | BHD | Bahraini Dinar | 3 | Bahrain |
| 050 | BDT | Bangladeshi Taka | 2 | Bangladesh |
| 052 | BBD | Barbados Dollar | 2 | Barbados |
| 068 | BOB | Boliviano | 2 | Bolivia |
| 072 | BWP | Botswana Pula | 2 | Botswana |
| 986 | BRL | Brazilian Real | 2 | Brazil |
| 096 | BND | Brunei Dollar | 2 | Brunei |
| 975 | BGN | Bulgarian Lev | 2 | Bulgaria |
| 116 | KHR | Cambodian Riel | 2 | Cambodia |
| 124 | CAD | Canadian Dollar | 2 | Canada |
| 152 | CLP | Chilean Peso | 0 | Chile |
| 156 | CNY | Chinese Yuan Renminbi | 2 | China |
| 170 | COP | Colombian Peso | 2 | Colombia |
| 188 | CRC | Costa Rican Colón | 2 | Costa Rica |
| 191 | HRK | Croatian Kuna | 2 | Croatia |
| 203 | CZK | Czech Koruna | 2 | Czech Republic |
| 208 | DKK | Danish Krone | 2 | Denmark, Greenland, Faroe Islands |
| 214 | DOP | Dominican Peso | 2 | Dominican Republic |
| 818 | EGP | Egyptian Pound | 2 | Egypt |
| 978 | EUR | Euro | 2 | Eurozone (20 countries) |
| 242 | FJD | Fijian Dollar | 2 | Fiji |
| 981 | GEL | Georgian Lari | 2 | Georgia |
| 936 | GHS | Ghanaian Cedi | 2 | Ghana |
| 826 | GBP | Pound Sterling | 2 | United Kingdom |
| 320 | GTQ | Guatemalan Quetzal | 2 | Guatemala |
| 344 | HKD | Hong Kong Dollar | 2 | Hong Kong |
| 348 | HUF | Hungarian Forint | 2 | Hungary |
| 352 | ISK | Icelandic Króna | 0 | Iceland |
| 356 | INR | Indian Rupee | 2 | India, Bhutan |
| 360 | IDR | Indonesian Rupiah | 2 | Indonesia |
| 364 | IRR | Iranian Rial | 2 | Iran |
| 368 | IQD | Iraqi Dinar | 3 | Iraq |
| 376 | ILS | Israeli New Shekel | 2 | Israel |
| 388 | JMD | Jamaican Dollar | 2 | Jamaica |
| 392 | JPY | Japanese Yen | 0 | Japan |
| 400 | JOD | Jordanian Dinar | 3 | Jordan |
| 398 | KZT | Kazakhstani Tenge | 2 | Kazakhstan |
| 404 | KES | Kenyan Shilling | 2 | Kenya |
| 410 | KRW | South Korean Won | 0 | South Korea |
| 414 | KWD | Kuwaiti Dinar | 3 | Kuwait |
| 422 | LBP | Lebanese Pound | 2 | Lebanon |
| 434 | LYD | Libyan Dinar | 3 | Libya |
| 446 | MOP | Macanese Pataca | 2 | Macao |
| 458 | MYR | Malaysian Ringgit | 2 | Malaysia |
| 462 | MVR | Maldivian Rufiyaa | 2 | Maldives |
| 480 | MUR | Mauritian Rupee | 2 | Mauritius |
| 484 | MXN | Mexican Peso | 2 | Mexico |
| 504 | MAD | Moroccan Dirham | 2 | Morocco |
| 524 | NPR | Nepalese Rupee | 2 | Nepal |
| 554 | NZD | New Zealand Dollar | 2 | New Zealand, Cook Islands |
| 566 | NGN | Nigerian Naira | 2 | Nigeria |
| 578 | NOK | Norwegian Krone | 2 | Norway, Svalbard |
| 512 | OMR | Omani Rial | 3 | Oman |
| 586 | PKR | Pakistani Rupee | 2 | Pakistan |
| 590 | PAB | Panamanian Balboa | 2 | Panama |
| 604 | PEN | Peruvian Sol | 2 | Peru |
| 608 | PHP | Philippine Peso | 2 | Philippines |
| 985 | PLN | Polish Zloty | 2 | Poland |
| 634 | QAR | Qatari Riyal | 2 | Qatar |
| 946 | RON | Romanian Leu | 2 | Romania |
| 643 | RUB | Russian Ruble | 2 | Russia |
| 682 | SAR | Saudi Riyal | 2 | Saudi Arabia |
| 941 | RSD | Serbian Dinar | 2 | Serbia |
| 702 | SGD | Singapore Dollar | 2 | Singapore |
| 710 | ZAR | South African Rand | 2 | South Africa |
| 144 | LKR | Sri Lankan Rupee | 2 | Sri Lanka |
| 752 | SEK | Swedish Krona | 2 | Sweden |
| 756 | CHF | Swiss Franc | 2 | Switzerland, Liechtenstein |
| 901 | TWD | New Taiwan Dollar | 2 | Taiwan |
| 764 | THB | Thai Baht | 2 | Thailand |
| 780 | TTD | Trinidad & Tobago Dollar | 2 | Trinidad & Tobago |
| 788 | TND | Tunisian Dinar | 3 | Tunisia |
| 949 | TRY | Turkish Lira | 2 | Türkiye |
| 800 | UGX | Ugandan Shilling | 0 | Uganda |
| 980 | UAH | Ukrainian Hryvnia | 2 | Ukraine |
| 784 | AED | UAE Dirham | 2 | United Arab Emirates |
| 840 | USD | US Dollar | 2 | United States |
| 858 | UYU | Uruguayan Peso | 2 | Uruguay |
| 860 | UZS | Uzbekistani Som | 2 | Uzbekistan |
| 704 | VND | Vietnamese Dong | 0 | Vietnam |
| 886 | YER | Yemeni Rial | 2 | Yemen |
| 967 | ZMW | Zambian Kwacha | 2 | Zambia |
| 932 | ZWL | Zimbabwean Dollar | 2 | Zimbabwe |
| 999 | XXX | No Currency | — | Used for non-currency transactions |
| 959 | XAU | Gold (troy ounce) | — | Precious metal |
| 961 | XAG | Silver (troy ounce) | — | Precious metal |
ISO 3166 Country Codes
ISO 3166-1 defines alpha-2,
alpha-3, and
numeric codes for countries and territories.
The numeric code appears in ISO 8583 Field 19 (Country Code, Acquiring Institution),
Field 20 (Country Code, Primary Account Number), and Field 22 subfields.
Example: US / USA /
840 =
United States.
| Alpha-2 | Alpha-3 | Numeric | Country / Territory |
|---|---|---|---|
| AF | AFG | 004 | Afghanistan |
| AL | ALB | 008 | Albania |
| DZ | DZA | 012 | Algeria |
| AS | ASM | 016 | American Samoa |
| AD | AND | 020 | Andorra |
| AO | AGO | 024 | Angola |
| AI | AIA | 660 | Anguilla |
| AQ | ATA | 010 | Antarctica |
| AG | ATG | 028 | Antigua and Barbuda |
| AR | ARG | 032 | Argentina |
| AM | ARM | 051 | Armenia |
| AW | ABW | 533 | Aruba |
| AU | AUS | 036 | Australia |
| AT | AUT | 040 | Austria |
| AZ | AZE | 031 | Azerbaijan |
| BS | BHS | 044 | Bahamas |
| BH | BHR | 048 | Bahrain |
| BD | BGD | 050 | Bangladesh |
| BB | BRB | 052 | Barbados |
| BY | BLR | 112 | Belarus |
| BE | BEL | 056 | Belgium |
| BZ | BLZ | 084 | Belize |
| BJ | BEN | 204 | Benin |
| BM | BMU | 060 | Bermuda |
| BT | BTN | 064 | Bhutan |
| BO | BOL | 068 | Bolivia |
| BQ | BES | 535 | Bonaire, Sint Eustatius and Saba |
| BA | BIH | 070 | Bosnia and Herzegovina |
| BW | BWA | 072 | Botswana |
| BV | BVT | 074 | Bouvet Island |
| BR | BRA | 076 | Brazil |
| IO | IOT | 086 | British Indian Ocean Territory |
| BN | BRN | 096 | Brunei Darussalam |
| BG | BGR | 100 | Bulgaria |
| BF | BFA | 854 | Burkina Faso |
| BI | BDI | 108 | Burundi |
| CV | CPV | 132 | Cabo Verde |
| KH | KHM | 116 | Cambodia |
| CM | CMR | 120 | Cameroon |
| CA | CAN | 124 | Canada |
| KY | CYM | 136 | Cayman Islands |
| CF | CAF | 140 | Central African Republic |
| TD | TCD | 148 | Chad |
| CL | CHL | 152 | Chile |
| CN | CHN | 156 | China |
| CX | CXR | 162 | Christmas Island |
| CC | CCK | 166 | Cocos (Keeling) Islands |
| CO | COL | 170 | Colombia |
| KM | COM | 174 | Comoros |
| CG | COG | 178 | Congo |
| CD | COD | 180 | Congo, Democratic Republic of the |
| CK | COK | 184 | Cook Islands |
| CR | CRI | 188 | Costa Rica |
| CI | CIV | 384 | Côte d'Ivoire |
| HR | HRV | 191 | Croatia |
| CU | CUB | 192 | Cuba |
| CW | CUW | 531 | Curaçao |
| CY | CYP | 196 | Cyprus |
| CZ | CZE | 203 | Czechia |
| DK | DNK | 208 | Denmark |
| DJ | DJI | 262 | Djibouti |
| DM | DMA | 212 | Dominica |
| DO | DOM | 214 | Dominican Republic |
| EC | ECU | 218 | Ecuador |
| EG | EGY | 818 | Egypt |
| SV | SLV | 222 | El Salvador |
| GQ | GNQ | 226 | Equatorial Guinea |
| ER | ERI | 232 | Eritrea |
| EE | EST | 233 | Estonia |
| SZ | SWZ | 748 | Eswatini |
| ET | ETH | 231 | Ethiopia |
| FK | FLK | 238 | Falkland Islands |
| FO | FRO | 234 | Faroe Islands |
| FJ | FJI | 242 | Fiji |
| FI | FIN | 246 | Finland |
| FR | FRA | 250 | France |
| GF | GUF | 254 | French Guiana |
| PF | PYF | 258 | French Polynesia |
| TF | ATF | 260 | French Southern Territories |
| GA | GAB | 266 | Gabon |
| GM | GMB | 270 | Gambia |
| GE | GEO | 268 | Georgia |
| DE | DEU | 276 | Germany |
| GH | GHA | 288 | Ghana |
| GI | GIB | 292 | Gibraltar |
| GR | GRC | 300 | Greece |
| GL | GRL | 304 | Greenland |
| GD | GRD | 308 | Grenada |
| GP | GLP | 312 | Guadeloupe |
| GU | GUM | 316 | Guam |
| GT | GTM | 320 | Guatemala |
| GG | GGY | 831 | Guernsey |
| GN | GIN | 324 | Guinea |
| GW | GNB | 624 | Guinea-Bissau |
| GY | GUY | 328 | Guyana |
| HT | HTI | 332 | Haiti |
| HM | HMD | 334 | Heard Island and McDonald Islands |
| VA | VAT | 336 | Holy See |
| HN | HND | 340 | Honduras |
| HK | HKG | 344 | Hong Kong |
| HU | HUN | 348 | Hungary |
| IS | ISL | 352 | Iceland |
| IN | IND | 356 | India |
| ID | IDN | 360 | Indonesia |
| IR | IRN | 364 | Iran |
| IQ | IRQ | 368 | Iraq |
| IE | IRL | 372 | Ireland |
| IM | IMN | 833 | Isle of Man |
| IL | ISR | 376 | Israel |
| IT | ITA | 380 | Italy |
| JM | JAM | 388 | Jamaica |
| JP | JPN | 392 | Japan |
| JE | JEY | 832 | Jersey |
| JO | JOR | 400 | Jordan |
| KZ | KAZ | 398 | Kazakhstan |
| KE | KEN | 404 | Kenya |
| KI | KIR | 296 | Kiribati |
| KP | PRK | 408 | Korea, Democratic People's Republic of |
| KR | KOR | 410 | Korea, Republic of |
| KW | KWT | 414 | Kuwait |
| KG | KGZ | 417 | Kyrgyzstan |
| LA | LAO | 418 | Lao People's Democratic Republic |
| LV | LVA | 428 | Latvia |
| LB | LBN | 422 | Lebanon |
| LS | LSO | 426 | Lesotho |
| LR | LBR | 430 | Liberia |
| LY | LBY | 434 | Libya |
| LI | LIE | 438 | Liechtenstein |
| LT | LTU | 440 | Lithuania |
| LU | LUX | 442 | Luxembourg |
| MO | MAC | 446 | Macao |
| MG | MDG | 450 | Madagascar |
| MW | MWI | 454 | Malawi |
| MY | MYS | 458 | Malaysia |
| MV | MDV | 462 | Maldives |
| ML | MLI | 466 | Mali |
| MT | MLT | 470 | Malta |
| MH | MHL | 584 | Marshall Islands |
| MQ | MTQ | 474 | Martinique |
| MR | MRT | 478 | Mauritania |
| MU | MUS | 480 | Mauritius |
| YT | MYT | 175 | Mayotte |
| MX | MEX | 484 | Mexico |
| FM | FSM | 583 | Micronesia |
| MD | MDA | 498 | Moldova |
| MC | MCO | 492 | Monaco |
| MN | MNG | 496 | Mongolia |
| ME | MNE | 499 | Montenegro |
| MS | MSR | 500 | Montserrat |
| MA | MAR | 504 | Morocco |
| MZ | MOZ | 508 | Mozambique |
| MM | MMR | 104 | Myanmar |
| NA | NAM | 516 | Namibia |
| NR | NRU | 520 | Nauru |
| NP | NPL | 524 | Nepal |
| NL | NLD | 528 | Netherlands |
| NC | NCL | 540 | New Caledonia |
| NZ | NZL | 554 | New Zealand |
| NI | NIC | 558 | Nicaragua |
| NE | NER | 562 | Niger |
| NG | NGA | 566 | Nigeria |
| NU | NIU | 570 | Niue |
| NF | NFK | 574 | Norfolk Island |
| MK | MKD | 807 | North Macedonia |
| MP | MNP | 580 | Northern Mariana Islands |
| NO | NOR | 578 | Norway |
| OM | OMN | 512 | Oman |
| PK | PAK | 586 | Pakistan |
| PW | PLW | 585 | Palau |
| PS | PSE | 275 | Palestine, State of |
| PA | PAN | 591 | Panama |
| PG | PNG | 598 | Papua New Guinea |
| PY | PRY | 600 | Paraguay |
| PE | PER | 604 | Peru |
| PH | PHL | 608 | Philippines |
| PN | PCN | 612 | Pitcairn |
| PL | POL | 616 | Poland |
| PT | PRT | 620 | Portugal |
| PR | PRI | 630 | Puerto Rico |
| QA | QAT | 634 | Qatar |
| RE | REU | 638 | Réunion |
| RO | ROU | 642 | Romania |
| RU | RUS | 643 | Russian Federation |
| RW | RWA | 646 | Rwanda |
| BL | BLM | 652 | Saint Barthélemy |
| SH | SHN | 654 | Saint Helena, Ascension and Tristan da Cunha |
| KN | KNA | 659 | Saint Kitts and Nevis |
| LC | LCA | 662 | Saint Lucia |
| MF | MAF | 663 | Saint Martin (French part) |
| PM | SPM | 666 | Saint Pierre and Miquelon |
| VC | VCT | 670 | Saint Vincent and the Grenadines |
| WS | WSM | 882 | Samoa |
| SM | SMR | 674 | San Marino |
| ST | STP | 678 | Sao Tome and Principe |
| SA | SAU | 682 | Saudi Arabia |
| SN | SEN | 686 | Senegal |
| RS | SRB | 688 | Serbia |
| SC | SYC | 690 | Seychelles |
| SL | SLE | 694 | Sierra Leone |
| SG | SGP | 702 | Singapore |
| SX | SXM | 534 | Sint Maarten (Dutch part) |
| SK | SVK | 703 | Slovakia |
| SI | SVN | 705 | Slovenia |
| SB | SLB | 090 | Solomon Islands |
| SO | SOM | 706 | Somalia |
| ZA | ZAF | 710 | South Africa |
| GS | SGS | 239 | South Georgia and the South Sandwich Islands |
| SS | SSD | 728 | South Sudan |
| ES | ESP | 724 | Spain |
| LK | LKA | 144 | Sri Lanka |
| SD | SDN | 729 | Sudan |
| SR | SUR | 740 | Suriname |
| SJ | SJM | 744 | Svalbard and Jan Mayen |
| SE | SWE | 752 | Sweden |
| CH | CHE | 756 | Switzerland |
| SY | SYR | 760 | Syrian Arab Republic |
| TW | TWN | 158 | Taiwan |
| TJ | TJK | 762 | Tajikistan |
| TZ | TZA | 834 | Tanzania |
| TH | THA | 764 | Thailand |
| TL | TLS | 626 | Timor-Leste |
| TG | TGO | 768 | Togo |
| TK | TKL | 772 | Tokelau |
| TO | TON | 776 | Tonga |
| TT | TTO | 780 | Trinidad and Tobago |
| TN | TUN | 788 | Tunisia |
| TR | TUR | 792 | Türkiye |
| TM | TKM | 795 | Turkmenistan |
| TC | TCA | 796 | Turks and Caicos Islands |
| TV | TUV | 798 | Tuvalu |
| UG | UGA | 800 | Uganda |
| UA | UKR | 804 | Ukraine |
| AE | ARE | 784 | United Arab Emirates |
| GB | GBR | 826 | United Kingdom |
| US | USA | 840 | United States |
| UM | UMI | 581 | United States Minor Outlying Islands |
| UY | URY | 858 | Uruguay |
| UZ | UZB | 860 | Uzbekistan |
| VU | VUT | 548 | Vanuatu |
| VE | VEN | 862 | Venezuela |
| VN | VNM | 704 | Viet Nam |
| VG | VGB | 092 | Virgin Islands (British) |
| VI | VIR | 850 | Virgin Islands (U.S.) |
| WF | WLF | 876 | Wallis and Futuna |
| EH | ESH | 732 | Western Sahara |
| YE | YEM | 887 | Yemen |
| ZM | ZMB | 894 | Zambia |
| ZW | ZWE | 716 | Zimbabwe |
❓ Frequently Asked Questions
What does ISO 8583 response code 05 mean?
Response code 05 means 'Do Not Honor'. It is a generic decline where the issuer declined the transaction without providing a specific reason to the merchant. The cardholder must contact their bank for details.
What is the difference between ISO 8583 MTI 0200 and 0210?
MTI 0200 is a Financial Transaction Request (combining authorization and financial clearing), sent from the acquirer to the issuer. MTI 0210 is the corresponding Financial Transaction Response sent back by the issuer, indicating approval or decline.
What does ISO 8583 response code 51 mean?
Response code 51 means 'Insufficient Funds'. This indicates the cardholder's account does not have enough available balance or credit limit to complete the requested transaction.
What is EMV tag 9F26 (Application Cryptogram)?
EMV tag 9F26 is the Application Cryptogram. It is a cryptographic value (such as an ARQC, TC, or AAC) generated by the EMV chip card used to validate the authenticity of the transaction with the issuing bank.