Global Credit Authorization Guide (v3.2)

AMERICAN EXPRESS Network Development

August 11, 2006

Preface

Organization

Related Documents

1.0 Introduction to Credit Authorization

1.1 Overview

1.2 American Express Authorization Policies

1.3 On-Line Authorizations

1.3.1 Non-Referral Link

1.3.2 Referral Link

1.3.3 Referral Queue

1.3.3.1 Referral Queue - Non-Referral Mode

1.3.3.2 Referral Queue - Referral Mode

1.4 Card Acceptance Guidelines

1.5 Batch Authorizations

1.6 Other Authorization Services

1.7 Address Verification

1.8 Financial Settlement

1.9 Partial Authorization & Authorization with Balance Return Programs

1.10 ExpressPay

2.0 Implementation Planning

2.1 Overview of Implementation Planning

2.2 Development Responsibilities

2.3 Development Steps

2.4 Hardware Requirements

2.5 Communications Options

2.5.1 Leased-Lines

2.6 Message Formats

2.6.1 ISO 8583 Message Format

2.6.1.1 Authorization Request/Please Wait/Response

2.6.1.2 Reversal Advice Request/Response

2.6.1.3 Network Management Request/Response

2.7 Testing Policies

3.0 ISO 8583 Message Formats

3.1 Guidelines for Using the ISO 8583 Format

3.2 Variations from ISO 8583

3.3 ISO 8583 Message Bit Map Table

3.3.1 Primary Bit Map

3.3.2 Secondary Bit Map

3.4 ISO 8583 Request Message Formats

3.4.1 ISO 8583 Authorization Request (1100)

3.5 ISO 8583 Response Message Formats

3.5.1 ISO 8583 Authorization Response (1110)

3.6 ISO 8583 Reversal Format

3.6.1 ISO 8583 Reversal Advice Request (1420)

3.6.2 ISO 8583 Reversal Advice Response (1430)

3.7 ISO 8583 Network Management

3.7.1 ISO 8583 Network Management Request (1804)

3.7.2 ISO 8583 Network Management Response (1814)

3.7.3 ISO 8583 Network Management Notification (1844)

3.8 ISO 8583 Message Tables

3.8.1 ISO 8583 Authorization Request (1100) Message Table

3.8.1.1 ISO 8583 Authorization Request (1100) - VISA PS2000

3.8.1.2 ISO 8583 Authorization Request (1100) - MasterCard, Diner's Club, Discover & JCB183

3.8.2 ISO 8583 Authorization Response (1110) Message Table

3.8.2.1 ISO 8583 Authorization Response (1110) - VISA PS2000

3.8.2.2 ISO 8583 Authorization Response (1110) - MasterCard, Diner's Club, Discover, JCB.186

3.8.3 ISO 8583 Reversal Advice Request (1420) Message Table

3.8.4 ISO 8583 Reversal Advice Response (1430) Message Table

3.8.5 ISO 8583 Network Management Request (1804) Message Table

3.8.6 ISO 8583 Network Management Response (1814) Message Table

3.8.7 ISO 8583 Network Management Notification (1844) Message Table

3.9 Examples of Typical Message Formats

3.9.1 Authorization Requests & Responses - American Express

3.9.1.1 Authorization Request (1100) Messages - American Express

3.9.1.2 Authorization Response (1110) Message - American Express

3.9.2 Authorization Requests & Responses - VISA

3.9.2.1 Authorization Request (1100) Message - VISA

3.9.2.2 Authorization Response (1110) Message - VISA

3.9.3 Authorization Requests & Responses - MasterCard

3.9.3.1 Authorization Request (1100) Message - MasterCard

3.9.3.2 Authorization Response (1110) Message - MasterCard

3.9.4 Reversal Advice Request & Response Messages

3.9.4.1 Reversal Advice Request (1420) Message

3.9.4.2 Reversal Advice Response (1430) Message

3.9.5 Network Management Request, Response & Notification Messages

3.9.5.1 Network Management Request (1804) Message

3.9.5.2 Network Management Response (1814) Message

3.9.5.3 Network Management Notification (1844) Message

4.0 Data and Certification Testing

4.1 Data Validation Tests

4.1.1 Cardmember and SE Number Range Validation

4.1.2 Check Digit Verification

4.1.3 SE Number Check Digit Computation (Modulus 9 Check)

4.1.4 Cardmember Number Check Digit Computation (Modulus 10 Check)

4.2 Certification Tests

5.0 Appendix

5.1 American Express Cards - Typical Examples

5.2 American Express Magnetic Stripe Formats

5.2.1 ANSI X4.16 Standard

5.2.2 ISO 7813 Standard

5.2.3 ANSI X4.16 / ISO 7813 Track 1 Message Formats

5.2.4 ANSI X4.16 / ISO 7813 Track 2 Message Formats

5.3 Julian Date Calendar - Standard Year

5.4 Julian Date Calendar - Leap Year (2008, 2012, 2016, etc.)

5.5 Merchant Category (MCC) Codes

5.6 Country & Currency Codes

5.6.1 Country Codes

5.6.2 Currency Codes

5.7 Street Codes

5.8 ISO Account Number Ranges

Figures

#1-1 Non-Referral Link Processing

#1-2 Referral Link Processing

#1-3 Referral Queue for Non-Referral Mode

#1-4 Referral Queue for Referral Mode

#2-1 Steps for Authorization Implementation

#2-2 ISO 8583 Authorization Message Exchange

#2-3 ISO 8583 Reversal Message Exchange

#2-4 ISO 8583 Administration/Network Message Exchange