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
B
Amount 1
For all financial types
C
Amount 2
Only used for adjustment
D
Account Type
For all
financial types
F
Approval Code
For all financial types
G
MAC
For all types
P
Draft Capture Flag
For all financial types
Q
Echo Data
For all types
a
User Defined Data
For
all financial types and Close
Batch
b
PIN
-
block
Only if online PIN
d
Retailer ID
For all financial types
e
POS
Condition Code
For all financial types
f
PIN length
Only if online PIN
h
Sequence Number
For all financial types
i
Sequence Number
Original
Only adjustment
l
Totals Batch
Only if Draft Capture is used
q
Track2
For all financ
ial types
6B
Manual Card Verification
For all financial types
6E
Point Of Services Entry Mode
For all financial types
6F
Electronic Commerce Flag
For all financial types
6H
Card Verification Digits Presence
Indicator
And Result
For all financial types
6I
Transaction Currency Code
For all financial types
6L
XID/Trans Stain
Only in Visa electronic commerce
transactions using the 3D
-
Secure
method
6O
Smart Card Request Data
For all financial types
6P
Smart Card Additional Request
Data
For all financial types
6Q
Smart Card Response Data
For all financial types
6R
Smart Card Additional Response
Data
For all financial types
6T
Key Serial Number and
Descriptor
For all types
6V
Authentication Collection
Indicator
Only in electronic commerce
transactions using the 3D
-
Secure
method
6W
CAVV/AAV result Code
Only in electronic commerce
transactions using the 3D
-
Secure
method
6X
Point Of Service Data
Conditional
used if required by the
DPC. For all financial types
6Y
Authentication Data
Only in MasterCard electronic
commerce transactions using the
3D
-
Secure method
6e
Interchange Compliance Data
Only if interchange compliance
data was received in the
authorization
response to the DPC
9A
Authorizing
Entity
For all financial types
9C
POS Capability Code
For all financial types
9D
Retrieval Reference Number
For all financial types
9I
Merchant Category Code
For all financial types
9K
Credit Length Map
For all financial types
9L
Acquirer Information
For all financial types
9N
Update Information
For all financial types
9P
EMV Terminal Capability
Only if the terminal is EMV capable
9Q
Additional Terminal Capabilities
For all financial types
9R
Point of Service Indicator
For all financial types
9S
Merchant Name and Location
For all financial types
9o
Downlo
ad Indicator
For all types
99
Security Information
For all types
9q
Reserved for customer internal
use
9r
Reserved for customer internal
use
9s
Reserved for customer internal
use
9t
Reserved
for customer internal
use
9u
Reserved for customer internal
use
9v
Reserved for customer internal
use
9w
Reserved for customer internal
use
9x
Reserved for customer internal
use
9y
Reserved for customer internal
use
9z
Reserved for customer
internal
use
