POS simulator format SPDH HPDH Verifone and custom

Posted on 14th Feb 2022 3468 views

Terminal Interface For POS transactions

POS simulation is necessary even when you have a real POS device to test with. POS simulation allows you to use many cards, even those you cannot issue, to run regressions and Load Tests.

The SPDH (Standard POS Device Handler) message format is not exactly ISO 8583-like, but it shares some similarities. Let me break it down for you:

ISO 8583:
- Definition: ISO 8583 is an international standard for financial transaction card originated interchange messaging.
- Purpose: It defines a message format and communication flow so that different systems can exchange transaction requests and responses.
- Usage: Most card-based transactions (such as payments in stores or ATMs) use ISO 8583 at some point in the communication chain.
- Fields: ISO 8583 defines standard fields (data elements) that remain consistent across systems, with additional fields for network-specific details.
- Examples: Mastercard, Visa, and Verve networks base their authorization communications on ISO 8583.
SPDH:
- Definition: SPDH is used in point-of-sale (POS) systems for handling card-based transactions.
- Message Format: SPDH messages are not strictly ISO 8583-like. They use specific field separators to delimit data elements.
- Parser: SPDH messages are parsed within specific environments (like iso8583.info) with top-level descriptions.
- Market-Specific Subfields: Some market-specific subfields are not fully defined in SPDH messages.
- Use Cases: SPDH supports transfers for airlines, lodging, auto rental, healthcare, and mobile services.

SPDH Standard Header Description

SPDH Header Position: 1-2; Name: Device Type; Format: ascii(2); Contents: “9.”

SPDH Header Position: 3-4 ; Name: Transmission Number; Format: numeric(2); Contents: “00” (If message subtype = 'S'), “01” –“99”(otherwise)

SPDH Header Position: 5-20 ; Name: Terminal ID; Format: ascii(16); Contents: Unique terminal ID

SPDH Header Position: 21-26 ; Name: SPDH Version Number; Format: ascii(6); Contents: Version Number

SPDH Header Position: 27-32 ; Name: Current Date; Format: numeric(6); Contents: Senderdate YYMMDD

SPDH Header Position: 33-38 ; Name: Current time; Format: numeric(6); Contents: Sender time HHMMSS

SPDH Header Position: 39; Name: Message Type; Format: numeric(6); ascii(1)'F' (Financial)‘A’ (Administrative)

SPDH Header Position: 40; Name: Message Subtype; Format: ascii(1); Contents: 'O': online, for normal trans'S': Store & Forward. 'F': Forced

SPDH Header Position: 41-42; Name: Transaction Code; Format:numeric(2); Contents: A Code defining the message

SPDH Header Position: 43; Name: Processing Flag 1; Format: ascii(1); Contents: '0' or '1'

SPDH Header Position: 44; Name: Processing Flag 2; Format: ascii(1); Contents: '5'in request‘0’ in response

SPDH Header Position: 45; Name: Processing Flag 3; Format: ascii(1); Contents: '0'

SPDH Header Position: 46-48; Name: Response Code; Format: numeric(3); Contents: '000'in request ;A code in response.

SPDH FID List

In addition to the header, an SPDH message may contain additional fields called Fids

FID

NAME

USED

Amount 1

For all financial types

Amount 2

Only used for adjustment

Account Type

For all

financial types

Approval Code

For all financial types

MAC

For all types

Draft Capture Flag

For all financial types

Echo Data

For all types

User Defined Data

For

all financial types and Close

Batch

block

Only if online PIN

Retailer ID

For all financial types

POS

Condition Code

For all financial types

PIN length

Only if online PIN

Sequence Number

For all financial types

Sequence Number

Original

Only adjustment

Totals Batch

Only if Draft Capture is used

Track2

For all financ

ial types

Manual Card Verification

For all financial types

Point Of Services Entry Mode

For all financial types

Electronic Commerce Flag

For all financial types

Card Verification Digits Presence

Indicator

And Result

For all financial types

Transaction Currency Code

For all financial types

XID/Trans Stain

Only in Visa electronic commerce

transactions using the 3D

Secure

method

Smart Card Request Data

For all financial types

Smart Card Additional Request

Data

For all financial types

Smart Card Response Data

For all financial types

Smart Card Additional Response

Data

For all financial types

Key Serial Number and

Descriptor

For all types

Authentication Collection

Indicator

Only in electronic commerce

transactions using the 3D

Secure

method

CAVV/AAV result Code

Only in electronic commerce

transactions using the 3D

Secure

method

Point Of Service Data

Conditional

used if required by the

DPC. For all financial types

Authentication Data

Only in MasterCard electronic

commerce transactions using the

Secure method

Interchange Compliance Data

Only if interchange compliance

data was received in the

authorization

response to the DPC

Authorizing

Entity

For all financial types

POS Capability Code

For all financial types

Retrieval Reference Number

For all financial types

Merchant Category Code

For all financial types

Credit Length Map

For all financial types

Acquirer Information

For all financial types

Update Information

For all financial types

EMV Terminal Capability

Only if the terminal is EMV capable

Additional Terminal Capabilities

For all financial types

Point of Service Indicator

For all financial types

Merchant Name and Location

For all financial types

Downlo

ad Indicator

For all types

Security Information

For all types