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BANGLADESH BANK NATIONAL PAYMENT SWITCH PROJECT
DISCOVERY REPORT - Updated
11TH DECEMBER 2012
SHARED BY
PROJECT MANAGEMENT OFFICE
NATIONAL PAYMENT SWITCH PROJECT BANGLADESH BANK
HEAD OFFICE, DHAKA www.bb.org.bd
National Payment Switch Bangladesh (NPSB)
2 Private and Confidential
Confidentiality Agreement
This document has been prepared for the use of Commercial Banks in Bangladesh which are providing Card
Services and intended to join in the National Payment Switch project run by the Bangladesh Bank.
National Payment Switch Bangladesh (NPSB)
3 Private and Confidential
Contents Introduction ............................................................................................................................................... 9
Scope ...................................................................................................................................................... 9
Interfaces ................................................................................................................................................... 9
Licensed Modules ...................................................................................................................................... 9
Fields Notation ........................................................................................................................................ 11
Requirements Notation ....................................................................................................................................... 11
Configuration ........................................................................................................................................... 12
REQC0001 - Country ............................................................................................................................................ 12
REQC0002 - Language .......................................................................................................................................... 12
REQC0003 Currency (for settlement) ................................................................................................................ 12
REQC0004 -Business Calendar ............................................................................................................................. 12
REQC0005 -Time Zone ......................................................................................................................................... 13
REQC0006.1 BANKS CHANNEL .......................................................................................................................... 13
REQC0006.2 PAD CHANNEL .............................................................................................................................. 13
REQC0006.3 VISA CHANNEL ............................................................................................................................. 14
REQC0006.4 MASTERCARD CHANNEL .............................................................................................................. 14
REQC0006.5 AMEX CHANNEL ........................................................................................................................... 14
Transaction types .................................................................................................................................... 15
REQC0007 TRANSACTION TYPES ...................................................................................................................... 15
Transaction Flow Diagrams ..................................................................................................................... 17
Over the Counter Funds Transfer ..................................................................................................................... 17
ATM Funds Transfer (ATMFT01) ....................................................................................................................... 19
ATM Funds Transfer (ATMFT02) ....................................................................................................................... 21
ATM Funds Transfer (ATMFT03) ....................................................................................................................... 23
ATM Cash Withdrawal ...................................................................................................................................... 25
ATM Cash Deposit ............................................................................................................................................. 27
National Payment Switch Bangladesh (NPSB)
4 Private and Confidential
ATM Mini Statement ........................................................................................................................................ 29
ATM Balance Inquiry ......................................................................................................................................... 31
ATM Bill Payment (ATMBP01) .......................................................................................................................... 33
ATM Bill Payment (ATMBP02) .......................................................................................................................... 35
POS Cash Advance ............................................................................................................................................ 37
POS Bill Payment ............................................................................................................................................... 39
POS Retail Purchase .......................................................................................................................................... 41
Kiosk Funds Transfer (KIOSKFT01) .................................................................................................................... 43
Kiosk Funds Transfer (KIOSKFT02) .................................................................................................................... 45
Kiosk Funds Transfer (KIOSKFT03) .................................................................................................................... 47
Kiosk Mini Statement ........................................................................................................................................ 49
Kiosk Balance Inquiry ........................................................................................................................................ 51
Kiosk Bill Payment (KIOSKBP01) ........................................................................................................................ 53
Kiosk Bill Payment (KIOSKBP02) ........................................................................................................................ 55
Mobile Banking Funds Transfer ........................................................................................................................ 57
Mobile Banking Bill Payment ............................................................................................................................ 59
Mobile Banking Retail Purchase ....................................................................................................................... 61
eCommerce Bill Payment .................................................................................................................................. 63
eCommerce Retail Purchase ............................................................................................................................. 64
Internet Banking Funds Transfer ...................................................................................................................... 66
Internet Banking Bill Payment .......................................................................................................................... 68
PAD Payment ....................................................................................................................................................... 70
ISO8583 REVERSAL ADVICE MESSAGE FOR NPSB .................................................................................. 72
ATM Funds Transfer (ATMFT01) Reversal ........................................................................................................... 72
ATM Bill Payment (ATMBP02) Reversal ............................................................................................................... 74
POS Cash Advance Reversal ................................................................................................................................. 75
POS Bill Payment Reversal ................................................................................................................................... 76
National Payment Switch Bangladesh (NPSB)
5 Private and Confidential
POS Retail Purchase Reversal .............................................................................................................................. 77
Kiosk Funds Transfer (KIOSKFT01) Reversal......................................................................................................... 78
Kiosk Bill Payment (KIOSKBP02) Reversal ............................................................................................................ 79
e-Commerce Bill Payment Reversal ..................................................................................................................... 80
e-Commerce Retail Purchase Reversal ................................................................................................................ 81
REQC0008 PCI DSS Compliance ........................................................................................................................ 82
REQC0009 Security ........................................................................................................................................... 83
Enhancements ......................................................................................................................................... 85
REQE0001 Fee Calculation (for Settlement Report) .......................................................................................... 85
Interfaces ................................................................................................................................................. 87
ISO 8583 common requirements: ........................................................................................................... 87
REQ10001 Banks Host to Host ........................................................................................................................... 89
REQ10002IPS Host to Host ................................................................................................................................ 89
REQ10003PAD Host to Host .............................................................................................................................. 89
REQ10004Core Banking System Batch .............................................................................................................. 90
Reports .................................................................................................................................................... 91
REQR0001 Core Banking Settlement Report ..................................................................................................... 91
REQR0002Member Bank Settlement Report .................................................................................................... 91
Dispute Management .............................................................................................................................. 93
File Layout ............................................................................................................................................................ 95
File Header Message Layout ................................................................................................................................ 95
Document Message Layout ................................................................................................................................. 95
File Trailer Message ............................................................................................................................................. 98
Dispute Message Codes ....................................................................................................................................... 98
FIELD CONDITION ISO8583 MESSAGE FOR NPSB .................................................................................. 103
Internal Bank (OTC) Funds Transfer ................................................................................................................... 103
ATM Funds Transfer (ATMFT01) ........................................................................................................................ 105
National Payment Switch Bangladesh (NPSB)
6 Private and Confidential
ATM Funds Transfer (ATMFT01) Reversal ......................................................................................................... 107
ATM Funds Transfer (ATMFT02) ........................................................................................................................ 108
ATM Mini Statement ......................................................................................................................................... 114
ATM Balance Inquiry .......................................................................................................................................... 115
ATM Bill Payment (ATMBP01) ........................................................................................................................... 117
ATM Bill Payment (ATMBP02) ........................................................................................................................... 118
ATM Bill Payment (ATMBP02) Reversal ............................................................................................................. 120
POS Cash Advance ............................................................................................................................................. 121
POS Cash Advance Reversal ............................................................................................................................... 122
POS Bill Payment................................................................................................................................................ 123
POS Bill Payment Reversal ................................................................................................................................. 125
POS Retail Purchase ........................................................................................................................................... 126
POS Retail Purchase Reversal ............................................................................................................................ 128
Kiosk Funds Transfer (KIOSKFT01) ..................................................................................................................... 129
Kiosk Funds Transfer (KIOSKFT01) Reversal....................................................................................................... 131
Kiosk Funds Transfer (KIOSKFT02) ..................................................................................................................... 132
Kiosk Funds Transfer (KIOSKFT03) ..................................................................................................................... 133
Kiosk Mini Statement ......................................................................................................................................... 135
Kiosk Balance Inquiry ......................................................................................................................................... 136
Kiosk Bill Payment (KIOSKBP01) ........................................................................................................................ 138
Kiosk Bill Payment (KIOSKBP02) ........................................................................................................................ 139
Kiosk Bill Payment (KIOSKBP02) Reversal .......................................................................................................... 141
Mobile Banking Funds Transfer ......................................................................................................................... 142
Mobile Banking Bill Payment ............................................................................................................................. 143
Mobile Banking Retail Purchase ........................................................................................................................ 144
e-Commerce Bill Payment ................................................................................................................................. 145
e-Commerce Bill Payment Reversal ................................................................................................................... 147
National Payment Switch Bangladesh (NPSB)
7 Private and Confidential
e-Commerce Retail Purchase ............................................................................................................................. 148
e-Commerce Retail Purchase Reversal .............................................................................................................. 150
Internet Banking Funds Transfer ....................................................................................................................... 151
Internet Banking Bill Payment ........................................................................................................................... 152
DETAILED ISO8583 MESSAGE SPECIFICATIONS FOR NPSB .................................................................... 153
Internal Bank (OTC) Funds Transfer ................................................................................................................... 153
ATM Funds Transfer (ATMFT01) ........................................................................................................................ 154
ATM Funds Transfer (ATMFT02) ........................................................................................................................ 156
ATM Funds Transfer (ATMFT03) ........................................................................................................................ 157
ATM Cash Withdrawal ....................................................................................................................................... 158
ATM Cash Deposit.............................................................................................................................................. 159
ATM Mini Statement ......................................................................................................................................... 160
DE125 Supporting Information .......................................................................................................................... 161
ATM Balance Inquiry .......................................................................................................................................... 162
ATM Bill Payment (ATMBP01) ........................................................................................................................... 163
ATM Bill Payment (ATMBP02) ........................................................................................................................... 164
POS Cash Advance ............................................................................................................................................. 165
POS Bill Payment................................................................................................................................................ 166
POS Retail Purchase ........................................................................................................................................... 168
Kiosk Funds Transfer (KIOSKFT01) ..................................................................................................................... 169
Kiosk Funds Transfer (KIOSKFT03) ..................................................................................................................... 171
Kiosk Mini Statement ......................................................................................................................................... 172
Kiosk Balance Inquiry ......................................................................................................................................... 174
Kiosk Bill Payment (KIOSKBP01) ........................................................................................................................ 175
Kiosk Bill Payment (KIOSKBP02) ........................................................................................................................ 176
Mobile Banking Funds Transfer ......................................................................................................................... 178
Mobile Banking Bill Payment ............................................................................................................................. 179
National Payment Switch Bangladesh (NPSB)
8 Private and Confidential
Mobile Banking Retail Purchase ........................................................................................................................ 180
e-Commerce Retail Purchase ............................................................................................................................. 183
Internet Banking Funds Transfer ....................................................................................................................... 185
Internet Banking Bill Payment ........................................................................................................................... 186
National Payment Switch Bangladesh (NPSB)
9 Private and Confidential
Introduction As the part of Central Bank Strengthening Project, National Payment Switch (NPSB) will be implemented for
Bangladesh Bank to monitor all inter-bank transactions and in order to connect all local commercial banks.
Scope Infotech has chosen a payment switch system to be implemented at Bangladesh Bank to meet the requirements of
Bangladesh Bank.These requirements were finalized in a series of meetings with Bangladesh Bank and
representatives from the Commercial Banks in Bangladesh such as
Dutch-Bangla Bank Limited (DBBL) BRAC Bank Limited Islami Bank Bangladesh
Standard Chartered Bank The City Bank AB Bank
Q-Cash (ITCL) Cash-Link Rupali Bank
Standard Bank Limited
These meetings spanned from May 2012 to September 2012. This document contains the finalized version of the
NPSB requirements based on input from all the stakeholders involved and represents the requirements locked
down for implementation in NPSB. For the purpose of this project, a Standard Host to Host module will be
configured based on the requirements defined by Bangladesh Bank. All required configuration and enhancements
required for the deployment of this product are outlined within this report.
Any subsequent changes to the system will be handled through the Change Request process. The associated time
and effort involved to accommodate the Change Request will be estimated and submitted to Bangladesh Bank for
approval prior to being incorporated into the system.
Interfaces Within the scope of this project, the WAY4 system will interface directly with the following systems:
Fifteen local commercial banks and two local switches (Q-Cash and CashLink) configured to seventeen (17) financial institutions
Core banking system PAD ePayment Gateway VISA MasterCard American Express
Licensed Modules The following modules will be included in the delivery of the proposed system:
National Payment Switch Bangladesh (NPSB)
10 Private and Confidential
WAY4TM Core
WAY4TM Accounting
WAY4TM Job Scheduler
WAY4TM specific job types
WAY4TM Housekeeping
archiving rules specific to WAY4 DB schema
WAY4TM Multiple Financial Institutions
15 participating banks, 2 local switches ( QCash and CashLink), are configured into 17 financial institution.
WAY4TM Core Banking Batch Interface
WAY4 TM Standard CBS Batch File Format
2 WAY4TM Host to Host Online Interfaces
with e-Payment Gateway of Public Accounts Department (WAY4 Standard ISO8583,
Bidirectional, TCP/IP, basic message set)
to seventeen (17) financial institutions (WAY4 Standard ISO8583, Bidirectional, TCP/IP, basic
message set)
2 WAY4TM Third Party Batch Interfaces (FTP Reconciliation Processing)
with e-payment Gateway of Public Accounts Department (WAY4 Standard XML)
to seventeen (17)financial institutions (WAY4 Standard XML)
WAY4TM VISA Interface
includes Authorization (VIP), Clearing & Settlement (BASE II)
WAY4TM MasterCard Interface
includes Authorization (BankNet), Clearing & Settlement (IPM)
WAY4TM American Express Interface
includes Authorization (GNS), Clearing & Settlement (GNS)
National Payment Switch Bangladesh (NPSB)
11 Private and Confidential
Fields Notation Ref Description
N Numeric digits 0 through 9
AN Alphabetic and Special Characters
DT Date + Format in field description
B Binary representation of data
NVAR Variable length data up to nn characters. There will be two or three character length (depending upon whether maximum data length is 99 or 999) at the beginning of the element to identify the number of positions following to the end of the data element
M Mandatory
O Optional
C Conditional
MR Copy from request
CR Copy if present in request
Requirements Notation The following notation is used for identifying the requirements:
REQI000X Interface
REQC000X Configuration
REQE000X Enhancement
REQR000X Report
REQHS Hardware/Software
National Payment Switch Bangladesh (NPSB)
12 Private and Confidential
Configuration
COUNTRY
REQC0001 - Country
Introduction & Business Requirements The country is Bangladesh.
LANGUAGE
REQC0002 - Language
Introduction & Business Requirements All WAY4 standard forms and applications are in English.
CURRENCY
REQC0003 Currency (for settlement)
Introduction & Business Requirements Required currency is Bangladeshi Taka.
ISO4217 currency codes are:
Description: Bangladeshi Taka.
Alphabet: BDT.
Numeric: 050.
Local currency code is BDT, which represents Taka.
BUSINESS CALENDAR
REQC0004 -Business Calendar
Introduction & Business Requirements Online availability:
On 24 hours by 7 days a week basis.
National Payment Switch Bangladesh (NPSB)
13 Private and Confidential
End of Day Batch processing:
Every calendar day.
The above requirements are for supporting:
the 24 by 7 business operations hours, and
Online transactions, of ATM, POS, Internet Banking, e-commerce, and Mobile Banking.
TIME ZONE
REQC0005 -Time Zone
Introduction & Business Requirements Bangladesh time (GMT +6 hours).
CHANNELS
REQC0006.1 BANKS CHANNEL
Business Requirement To support inter-bank transactions through National Payment System and have the ability to forward
authorizations which will be routed to the issuer bank.
Technical Details The online transaction message will be using ISO 8583 version 1987. The specification of the transaction message
will be referred to WAY4 standard basic host to host documentation Basic_Host_To_Host_1_15.pdfand in the
Section Detailed IS0 8583 Message Specifications for NPSB of this document.
The transaction flow diagramsare listed below in this document.
REQC0006.2 PAD CHANNEL
Business Requirement To support all government e-payment transactions based on government account codes from PAD system through
National Payment System and to have the ability to forward authorizations to the issuer bank.
National Payment Switch Bangladesh (NPSB)
14 Private and Confidential
Technical Details The online transaction message will be using ISO 8583 version 1987. The specification of the transaction message
will be referred to WAY4 standard basic host to host documentation Basic_Host_To_Host_1_15.pdfand in the
Section Detailed IS0 8583 Message Specifications for NPSB of this document.
REQC0006.3 VISA CHANNEL
Business Requirement WAY4 needs to be able to support International transactions that coming or going to VISA network.
Technical Details The online transaction message will be using ISO 8583 version 1987. The specification of the transaction message
will be referred to WAY4 standard basic host to host documentation Basic_Host_To_Host_1_15.pdf
REQC0006.4 MASTERCARD CHANNEL
Business Requirement WAY4 needs to be able to support International transactions that coming or going to MasterCard network.
Technical Details The online transaction message will be using ISO 8583 version 1987. The specification of the transaction message
will be referred to WAY4 standard basic host to host documentation Basic_Host_To_Host_1_15.pdf
REQC0006.5 AMEX CHANNEL
Business Requirement WAY4 needs to be able to support International transactions that coming or going to AMEX network.
Technical Details The online transaction message will be using ISO 8583 version 1987. The specification of the transaction message
will be referred to WAY4 standard basic host to host documentation Basic_Host_To_Host_1_15.pdf
National Payment Switch Bangladesh (NPSB)
15 Private and Confidential
Transaction types
REQC0007 TRANSACTION TYPES
Business Requirement Bangladesh Bank NPS will be acting as the forwarder institution for domestic and international (through IPS)
transaction. Communication between the Banks will be performed using ISO 8583 version 1987 and all of the
transactions flows will use Single Message format.
Technical Specifications The following transaction types are allowed for any card of commercial banks in Bangladesh Bank NPS:
Inte
rban
k Fu
nds T
rans
fer
Inte
rban
k Ca
sh W
ithdr
awal
Inte
rban
k Ca
sh D
epos
it
Min
i sta
tem
ent
Bala
nce
Enqu
iry
Bill
Paym
ent
Reta
il Pu
rcha
se (M
erch
ant P
aym
ent)
Bank internal (over the counter,
standing order)
ATM
POS **
Kiosk
m-Commerce * * *
e-Commerce (Thru Merchant
Website)
^
e-Commerce (Thru own Banks
web-site (of Banks offering web-
banking))
# #
** This is for the scenario where a customer goes to a Billing Companys Agent, pays their bill via cash, and the Agent then makes the payment via their own card via POS terminal
National Payment Switch Bangladesh (NPSB)
16 Private and Confidential
^ Payment at Merchants Web-site could be via Card or Bank Account number. *The host has to fill the F2 (PAN) in the ISO8583 message. The F2 value can be using related real card number or combination of given BIN from Bangladesh Bank and mobile account number. #The host has to fill the F2 (PAN) in the ISO8583 message. The F2 value will be using the real card number or virtual card number with the same BIN given by the Bank owner.
National Payment Switch Bangladesh (NPSB)
17 Private and Confidential
Transaction Flow Diagrams
Over the Counter Funds Transfer
Specific ISO Field Message DE03 Processing Code
Format FIXED Value n Length 6 Coding BCD
Coding that identifies (1) the cardholder transaction type and (2) the cardholder account types, if any, affected by the transaction. This is a fixed-length field for three data elements, as follows. Positions 12, Transaction Type: A two-digit code identifying the cardholder transaction type or the processing center function being processed. Possible values are: '28' Cardholder Payment Positions 34, Account Type (From): A two-digit code identifying the account type affected by this transaction. (For domestic account transfers, the account from which an account transfer is made). Possible values are: '00' Default Account '10' Savings Account '20' Checking Account '30' Credit Card Account
National Payment Switch Bangladesh (NPSB)
18 Private and Confidential
Positions 56, Account Type (To): A two-digit code identifying the account type affected by this transaction. (For domestic account transfers, a two-digit code identifying the account type to which an account transfer is made). Possible values are: '00' Default Account '10' Savings Account '20' Checking Account '30' Credit Card Account DE122 Additional Record Data
Format HLLVAR n Length 0..99 Coding ASCII Value OTCFT
National Payment Switch Bangladesh (NPSB)
19 Private and Confidential
ATM Funds Transfer (ATMFT01)
Specific ISO Field Message DE03 Processing Code
Format FIXED Value n Length 6 Coding BCD
Coding that identifies (1) the cardholder transaction type and (2) the cardholder account types, if any, affected by the transaction. This is a fixed-length field for three data elements, as follows. Positions 12, Transaction Type: A two-digit code identifying the cardholder transaction type or the processing center function being processed. Possible values are: '10'Card-holder Account Transfer Positions 34, Account Type (From): A two-digit code identifying the account type affected by this transaction. (For domestic account transfers, the account from which an account transfer is made). Possible values are: '00' Default Account '10' Savings Account '20' Checking Account '30' Credit Card Account
Positions 56, Account Type (To): A two-digit code identifying the account type affected by this transaction. (For domestic account transfers, a two-digit code identifying the account type to which an account transfer is made).
National Payment Switch Bangladesh (NPSB)
20 Private and Confidential
Possible values are: '00' Default Account '10' Savings Account '20' Checking Account '30' Credit Card Account DE122 Additional Record Data
Format HLLVAR n Length 0..99 Coding ASCII Value ATMFT01
National Payment Switch Bangladesh (NPSB)
21 Private and Confidential
ATM Funds Transfer (ATMFT02)
Specific ISO Field Message DE03 Processing Code
Format FIXED Value n Length 6 Coding BCD
Coding that identifies (1) the cardholder transaction type and (2) the cardholder account types, if any, affected by the transaction. This is a fixed-length field for three data elements, as follows. Positions 12, Transaction Type: A two-digit code identifying the cardholder transaction type or the processing center function being processed. Possible values are: '28' Card-holder Account Transfer Positions 34, Account Type (From): A two-digit code identifying the account type affected by this transaction. (For domestic account transfers, the account from which an account transfer is made). Possible values are: '00' Default Account '10' Savings Account '20' Checking Account '30' Credit Card Account Positions 56, Account Type (To): A two-digit code identifying the account type affected by this transaction. (For domestic account transfers, a two-digit code identifying the account type to which an account transfer is made).
National Payment Switch Bangladesh (NPSB)
22 Private and Confidential
Possible values are: '00' Default Account '10' Savings Account '20' Checking Account '30' Credit Card Account
DE122 Additional Record Data
Format HLLVAR n Length 0..99 Coding ASCII Value ATMFT02
National Payment Switch Bangladesh (NPSB)
23 Private and Confidential
ATM Funds Transfer (ATMFT03)
Specific ISO Field Message DE03 Processing Code
Format FIXED Value n Length 6 Coding BCD
Coding that identifies (1) the cardholder transaction type and (2) the cardholder account types, if any, affected by the transaction. This is a fixed-length field for three data elements, as follows. Positions 12, Transaction Type: A two-digit code identifying the cardholder transaction type or the processing center function being processed. Possible values are: '10' Card-holder Account Transfer Positions 34, Account Type (From): A two-digit code identifying the account type affected by this transaction. (For domestic account transfers, the account fromwhichan account transfer is made). Possible values are: '00' Default Account '10' Savings Account '20' Checking Account '30' Credit Card Account Positions 56, Account Type (To): A two-digit code identifying the account type affected by this transaction. (For domestic account transfers, a two-digit code identifying the account type towhichan account transfer is made).
National Payment Switch Bangladesh (NPSB)
24 Private and Confidential
Possible values are: '00' Default Account '10' Savings Account '20' Checking Account '30' Credit Card Account
DE100 Receiving Institution Identification Code
Format HLVAR n Length ..11 Coding BCD Value Beneficiary banks code (numeric)
DE103 Account Identification Code-2 (to-account)
Format HLVAR n Length 0..99 Coding ASCII Value Target of the transferred account (numeric)
DE122 Additional Record Data
Format HLLVAR n Length 0..99 Coding ASCII Value ATMFT03
National Payment Switch Bangladesh (NPSB)
25 Private and Confidential
ATM Cash Withdrawal
Specific ISO Field Message DE03 Processing Code
Format FIXED Value n Length 6 Coding BCD
Coding that identifies (1) the cardholder transaction type and (2) the cardholder account types, if any, affected by the transaction. This is a fixed-length field for three data elements, as follows. Positions 12, Transaction Type: A two-digit code identifying the cardholder transaction type or the processing center function being processed. Possible values are: '01' Cash Withdrawal Positions 34, Account Type (From): A two-digit code identifying the account type affected by this transaction. (For domestic account transfers, the account fromwhichan account transfer is made). Possible values are: '00' Default Account '10' Savings Account '20' Checking Account '30' Credit Card Account Positions 56, Account Type (To): A two-digit code identifying the account type affected by this transaction. (For domestic account transfers, a two-digit code identifying the account type to whichan account transfer is made). Possible values are:
National Payment Switch Bangladesh (NPSB)
26 Private and Confidential
'00' Default Account '10' Savings Account '20' Checking Account '30' Credit Card Account DE122 Additional Record Data
Format HLLVAR n Length 0..99 Coding ASCII Value ATMCW
National Payment Switch Bangladesh (NPSB)
27 Private and Confidential
ATM Cash Deposit
Specific ISO Field Message
DE03 Processing Code
Format FIXED Value n Length 6 Coding BCD
Coding that identifies (1) the cardholder transaction type and (2) the cardholder account types, if any, affected by the transaction. This is a fixed-length field for three data elements, as follows. Positions 12, Transaction Type: A two-digit code identifying the cardholder transaction type or the processing center function being processed. Possible values are: '28' Cash Deposit Positions 34, Account Type (From): A two-digit code identifying the account type affected by this transaction. (For domestic account transfers, the account fromwhich an account transfer is made). Possible values are: '00' Default Account '10' Savings Account '20' Checking Account '30' Credit Card Account Positions 56, Account Type (To): A two-digit code identifying the account type affected by this transaction. (For domestic account transfers, a two-digit code identifying the account typetowhich an account transfer is made).
National Payment Switch Bangladesh (NPSB)
28 Private and Confidential
Possible values are: '00' Default Account '10' Savings Account '20' Checking Account '30' Credit Card Account DE122 Additional Record Data
Format HLLVAR n Length 0..99 Coding ASCII Value ATMCD
National Payment Switch Bangladesh (NPSB)
29 Private and Confidential
ATM Mini Statement
Specific ISO Field Message
DE03 Processing Code
Format FIXED Value n Length 6 Coding BCD
Coding that identifies (1) the cardholder transaction type and (2) the cardholder account types, if any, affected by the transaction. This is a fixed-length field for three data elements, as follows. Positions 12, Transaction Type: A two-digit code identifying the cardholder transaction type or the processing center function being processed. Possible values are: '30' Mini Statement Positions 34, Account Type (From): A two-digit code identifying the account type affected by this transaction. (For domestic account transfers, the account fromwhich an account transfer is made). Possible values are: '00' Default Account '10' Savings Account '20' Checking Account '30' Credit Card Account Positions 56, Account Type (To): A two-digit code identifying the account type affected by this transaction. (For domestic account transfers, a two-digit code identifying the account typetowhich an account transfer is made).
National Payment Switch Bangladesh (NPSB)
30 Private and Confidential
Possible values are: '00' Default Account '10' Savings Account '20' Checking Account '30' Credit Card Account DE122 Additional Record Data
Format HLLVAR n Length 0..99 Coding ASCII Value ATMMS
National Payment Switch Bangladesh (NPSB)
31 Private and Confidential
ATM Balance Inquiry
Specific ISO Field Message DE03 Processing Code
Format FIXED Value n Length 6 Coding BCD
Coding that identifies (1) the cardholder transaction type and (2) the cardholder account types, if any, affected by the transaction. This is a fixed-length field for three data elements, as follows. Positions 12, Transaction Type: A two-digit code identifying the cardholder transaction type or the processing center function being processed. Possible values are: '30' Balance Inquiry Positions 34, Account Type (From): A two-digit code identifying the account type affected by this transaction. (For domestic account transfers, the account fromwhichan account transfer is made). Possible values are: '00' Default Account '10' Savings Account '20' Checking Account '30' Credit Card Account Positions 56, Account Type (To): A two-digit code identifying the account type affected by this transaction. (For domestic account transfers, a two-digit code identifying the account type to whichan account transfer is made).
National Payment Switch Bangladesh (NPSB)
32 Private and Confidential
Possible values are: '00' Default Account '10' Savings Account '20' Checking Account '30' Credit Card Account
National Payment Switch Bangladesh (NPSB)
33 Private and Confidential
ATM Bill Payment (ATMBP01)
Specific ISO Field Message DE03 Processing Code
Format FIXED Value n Length 6 Coding BCD
Coding that identifies (1) the cardholder transaction type and (2) the cardholder account types, if any, affected by the transaction. This is a fixed-length field for three data elements, as follows. Positions 12, Transaction Type: A two-digit code identifying the cardholder transaction type or the processing center function being processed. Possible values are: '00' Retail goods and service Positions 34, Account Type (From): A two-digit code identifying the account type affected by this transaction. (For domestic account transfers, the account fromwhichan account transfer is made). Possible values are: '00' Default Account '10' Savings Account '20' Checking Account '30' Credit Card Account Positions 56, Account Type (To): A two-digit code identifying the account type affected by this transaction. (For
National Payment Switch Bangladesh (NPSB)
34 Private and Confidential
domestic account transfers, a two-digit code identifying the account type to whichan account transfer is made). Possible values are: '00' Default Account '10' Savings Account '20' Checking Account '30' Credit Card Account
DE100 Receiving Institution Identification Code
Format HLVAR n Length ..11 Coding BCD Value Biller banks code (numeric)
DE103 Account Identification Code-2 (to-account)
Format HLVAR n Length 0..99 Coding ASCII Value Target of the billing account (numeric)
DE122 Additional Record Data
Format HLLVAR n Length 0..99 Coding ASCII Value ATMBP01
National Payment Switch Bangladesh (NPSB)
35 Private and Confidential
ATM Bill Payment (ATMBP02)
Specific ISO Field Message DE03 Processing Code
Format FIXED Value n Length 6 Coding BCD
Coding that identifies (1) the cardholder transaction type and (2) the cardholder account types, if any, affected by the transaction. This is a fixed-length field for three data elements, as follows. Positions 12, Transaction Type: A two-digit code identifying the cardholder transaction type or the processing center function being processed. Possible values are: '00' Retail goods and service Positions 34, Account Type (From): A two-digit code identifying the account type affected by this transaction. (For domestic account transfers, the account fromwhichan account transfer is made). Possible values are: '00' Default Account '10' Savings Account '20' Checking Account '30' Credit Card Account Positions 56, Account Type (To): A two-digit code identifying the account type affected by this transaction. (For domestic account transfers, a two-digit code identifying the account type to whichan account transfer is made). Possible values are:
National Payment Switch Bangladesh (NPSB)
36 Private and Confidential
'00' Default Account '10' Savings Account '20' Checking Account '30' Credit Card Account
DE122 Additional Record Data
Format HLLVAR n Length 0..99 Coding ASCII Value ATMBP02
National Payment Switch Bangladesh (NPSB)
37 Private and Confidential
POS Cash Advance
Specific ISO Field Message DE03 Processing Code
Format FIXED Value n Length 6 Coding BCD
Coding that identifies (1) the cardholder transaction type and (2) the cardholder account types, if any, affected by the transaction. This is a fixed-length field for three data elements, as follows. Positions 12, Transaction Type: A two-digit code identifying the cardholder transaction type or the processing center function being processed. Possible values are: '01' Cash Advance Positions 34, Account Type (From): A two-digit code identifying the account type affected by this transaction. (For domestic account transfers, the account fromwhichan account transfer is made). Possible values are: '00' Default Account '10' Savings Account '20' Checking Account '30' Credit Card Account Positions 56, Account Type (To): A two-digit code identifying the account type affected by this transaction. (For domestic account transfers, a two-digit code identifying the account type to whichan account transfer is made). Possible values are:
National Payment Switch Bangladesh (NPSB)
38 Private and Confidential
'00' Default Account '10' Savings Account '20' Checking Account '30' Credit Card Account DE122 Additional Record Data
Format HLLVAR n Length 0..99 Coding ASCII Value POSCA
National Payment Switch Bangladesh (NPSB)
39 Private and Confidential
POS Bill Payment
Specific ISO Field Message DE03 Processing Code
Format FIXED Value n Length 6 Coding BCD
Coding that identifies (1) the cardholder transaction type and (2) the cardholder account types, if any, affected by the transaction. This is a fixed-length field for three data elements, as follows. Positions 12, Transaction Type: A two-digit code identifying the cardholder transaction type or the processing center function being processed. Possible values are: '00' Retail goods and service Positions 34, Account Type (From): A two-digit code identifying the account type affected by this transaction. (For domestic account transfers, the account fromwhichan account transfer is made). Possible values are: '00' Default Account '10' Savings Account '20' Checking Account '30' Credit Card Account Positions 56, Account Type (To): A two-digit code identifying the account type affected by this transaction. (For domestic account transfers, a two-digit code identifying the account type to whichan account transfer is made). Possible values are: '00' Default Account
National Payment Switch Bangladesh (NPSB)
40 Private and Confidential
'10' Savings Account '20' Checking Account '30' Credit Card Account DE122 Additional Record Data
Format HLLVAR n Length 0..99 Coding ASCII Value POSBP
National Payment Switch Bangladesh (NPSB)
41 Private and Confidential
POS Retail Purchase
Specific ISO Field Message DE03 Processing Code
Format FIXED Value n Length 6 Coding BCD
Coding that identifies (1) the cardholder transaction type and (2) the cardholder account types, if any, affected by the transaction. This is a fixed-length field for three data elements, as follows. Positions 12, Transaction Type: A two-digit code identifying the cardholder transaction type or the processing center function being processed. Possible values are: '00' Retail goods and service Positions 34, Account Type (From): A two-digit code identifying the account type affected by this transaction. (For domestic account transfers, the account fromwhichan account transfer is made). Possible values are: '00' Default Account '10' Savings Account '20' Checking Account '30' Credit Card Account
National Payment Switch Bangladesh (NPSB)
42 Private and Confidential
Positions 56, Account Type (To): A two-digit code identifying the account type affected by this transaction. (For domestic account transfers, a two-digit code identifying the account type to whichan account transfer is made). Possible values are: '00' Default Account '10' Savings Account '20' Checking Account '30' Credit Card Account DE122 Additional Record Data
Format HLLVAR n Length 0..99 Coding ASCII Value POSBR
National Payment Switch Bangladesh (NPSB)
43 Private and Confidential
Kiosk Funds Transfer (KIOSKFT01)
Specific ISO Field Message DE03 Processing Code
Format FIXED Value n Length 6 Coding BCD
Coding that identifies (1) the cardholder transaction type and (2) the cardholder account types, if any, affected by the transaction. This is a fixed-length field for three data elements, as follows. Positions 12, Transaction Type: A two-digit code identifying the cardholder transaction type or the processing center function being processed. Possible values are: '10' Card-holder Debit Positions 34, Account Type (From): A two-digit code identifying the account type affected by this transaction. (For domestic account transfers, the account from which an account transfer is made). Possible values are: '00' Default Account '10' Savings Account '20' Checking Account '30' Credit Card Account Positions 56, Account Type (To): A two-digit code identifying the account type affected by this transaction. (For domestic account transfers, a two-digit code identifying the account type to which an account transfer is made).
National Payment Switch Bangladesh (NPSB)
44 Private and Confidential
Possible values are: '00' Default Account '10' Savings Account '20' Checking Account '30' Credit Card Account
DE122 Additional Record Data
Format HLLVAR n Length 0..99 Coding ASCII Value KIOSKFT01
National Payment Switch Bangladesh (NPSB)
45 Private and Confidential
Kiosk Funds Transfer (KIOSKFT02)
Specific ISO Field Message DE03 Processing Code
Format FIXED Value n Length 6 Coding BCD
Coding that identifies (1) the cardholder transaction type and (2) the cardholder account types, if any, affected by the transaction. This is a fixed-length field for three data elements, as follows. Positions 12, Transaction Type: A two-digit code identifying the cardholder transaction type or the processing center function being processed. Possible values are: '28' Card-holder Payment Positions 34, Account Type (From): A two-digit code identifying the account type affected by this transaction. (For domestic account transfers, the account from which an account transfer is made). Possible values are: '00' Default Account '10' Savings Account '20' Checking Account '30' Credit Card Account
Positions 56, Account Type (To): A two-digit code identifying the account type affected by this transaction. (For domestic account transfers, a two-digit code identifying the account type to which an account transfer is made).
National Payment Switch Bangladesh (NPSB)
46 Private and Confidential
Possible values are: '00' Default Account '10' Savings Account '20' Checking Account '30' Credit Card Account DE100 Receiving Institution Identification Code
Format HLVAR n Length ..11 Coding BCD Value Beneficiary banks code (numeric)
DE103 Account Identification Code-2 (to-account)
Format HLVAR n Length 0..99 Coding ASCII Value Target of the transferred account (numeric)
DE122 Additional Record Data
Format HLLVAR n Length 0..99 Coding ASCII Value KIOSKFT02
National Payment Switch Bangladesh (NPSB)
47 Private and Confidential
Kiosk Funds Transfer (KIOSKFT03)
Specific ISO Field Message DE03 Processing Code
Format FIXED Value n Length 6 Coding BCD
Coding that identifies (1) the cardholder transaction type and (2) the cardholder account types, if any, affected by the transaction. This is a fixed-length field for three data elements, as follows. Positions 12, Transaction Type: A two-digit code identifying the cardholder transaction type or the processing center function being processed. Possible values are: '10' Card-holder Debit Positions 34, Account Type (From): A two-digit code identifying the account type affected by this transaction. (For domestic account transfers, the account from which an account transfer is made). Possible values are: '00' Default Account '10' Savings Account '20' Checking Account '30' Credit Card Account
Positions 56, Account Type (To): A two-digit code identifying the account type affected by this transaction. (For domestic account transfers, a two-digit code identifying the account type to which an account transfer is made).
National Payment Switch Bangladesh (NPSB)
48 Private and Confidential
Possible values are: '00' Default Account '10' Savings Account '20' Checking Account '30' Credit Card Account DE122 Additional Record Data
Format HLLVAR n Length 0..99 Coding ASCII Value KIOSKFT03
National Payment Switch Bangladesh (NPSB)
49 Private and Confidential
Kiosk Mini Statement
Specific ISO Field Message DE03 Processing Code
Format FIXED Value n Length 6 Coding BCD
Coding that identifies (1) the cardholder transaction type and (2) the cardholder account types, if any, affected by the transaction. This is a fixed-length field for three data elements, as follows. Positions 12, Transaction Type: A two-digit code identifying the cardholder transaction type or the processing center function being processed. Possible values are: '30'MiniStatement Positions 34, Account Type (From): A two-digit code identifying the account type affected by this transaction. (For domestic account transfers, the account from which an account transfer is made). Possible values are: '00' Default Account '10' Savings Account '20' Checking Account '30' Credit Card Account
Positions 56, Account Type (To): A two-digit code identifying the account type affected by this transaction. (For domestic account transfers, a two-digit code identifying the account type to which an account transfer is made).
National Payment Switch Bangladesh (NPSB)
50 Private and Confidential
Possible values are: '00' Default Account '10' Savings Account '20' Checking Account '30' Credit Card Account DE122 Additional Record Data
Format HLLVAR n Length 0..99 Coding ASCII Value KIOSKMS
National Payment Switch Bangladesh (NPSB)
51 Private and Confidential
Kiosk Balance Inquiry
Specific ISO Field Message DE03 Processing Code
Format FIXED Value n Length 6 Coding BCD
Coding that identifies (1) the cardholder transaction type and (2) the cardholder account types, if any, affected by the transaction. This is a fixed-length field for three data elements, as follows. Positions 12, Transaction Type: A two-digit code identifying the cardholder transaction type or the processing center function being processed. Possible values are: '30' Balance Inquiry Positions 34, Account Type (From): A two-digit code identifying the account type affected by this transaction. (For domestic account transfers, the account from which an account transfer is made). Possible values are: '00' Default Account '10' Savings Account '20' Checking Account '30' Credit Card Account
Positions 56, Account Type (To): A two-digit code identifying the account type affected by this transaction. (For domestic account transfers, a two-digit code identifying the account type to which an account transfer is made).
National Payment Switch Bangladesh (NPSB)
52 Private and Confidential
Possible values are: '00' Default Account '10' Savings Account '20' Checking Account '30' Credit Card Account DE122 Additional Record Data
Format HLLVAR n Length 0..99 Coding ASCII Value KIOSKBI
National Payment Switch Bangladesh (NPSB)
53 Private and Confidential
Kiosk Bill Payment (KIOSKBP01)
Specific ISO Field Message DE03 Processing Code
Format FIXED Value n Length 6 Coding BCD
Coding that identifies (1) the cardholder transaction type and (2) the cardholder account types, if any, affected by the transaction. This is a fixed-length field for three data elements, as follows. Positions 12, Transaction Type: A two-digit code identifying the cardholder transaction type or the processing center function being processed. Possible values are: '00' Retail goods and service Positions 34, Account Type (From): A two-digit code identifying the account type affected by this transaction. (For domestic account transfers, the account from which an account transfer is made). Possible values are: '00' Default Account '10' Savings Account '20' Checking Account '30' Credit Card Account
Positions 56, Account Type (To): A two-digit code identifying the account type affected by this transaction. (For domestic account transfers, a two-digit code identifying the account type to which an account transfer is made).
National Payment Switch Bangladesh (NPSB)
54 Private and Confidential
Possible values are: '00' Default Account '10' Savings Account '20' Checking Account '30' Credit Card Account DE100 Receiving Institution Identification Code
Format HLVAR n Length ..11 Coding BCD Value Biller banks code (numeric)
DE103 Account Identification Code-2 (to-account)
Format HLVAR n Length 0..99 Coding ASCII Value Target of the billing account (numeric)
DE122 Additional Record Data
Format HLLVAR n Length 0..99 Coding ASCII Value KIOSKBP01
National Payment Switch Bangladesh (NPSB)
55 Private and Confidential
Kiosk Bill Payment (KIOSKBP02)
Specific ISO Field Message DE03 Processing Code
Format FIXED Value n Length 6 Coding BCD
Coding that identifies (1) the cardholder transaction type and (2) the cardholder account types, if any, affected by the transaction. This is a fixed-length field for three data elements, as follows. Positions 12, Transaction Type: A two-digit code identifying the cardholder transaction type or the processing center function being processed. Possible values are: '00' Retail goods and service Positions 34, Account Type (From): A two-digit code identifying the account type affected by this transaction. (For domestic account transfers, the account from which an account transfer is made). Possible values are: '00' Default Account '10' Savings Account '20' Checking Account '30' Credit Card Account
Positions 56, Account Type (To): A two-digit code identifying the account type affected by this transaction. (For
National Payment Switch Bangladesh (NPSB)
56 Private and Confidential
domestic account transfers, a two-digit code identifying the account type to which an account transfer is made). Possible values are: '00' Default Account '10' Savings Account '20' Checking Account '30' Credit Card Account
DE122 Additional Record Data
Format HLLVAR n Length 0..99 Coding ASCII Value KIOSKBP02
National Payment Switch Bangladesh (NPSB)
57 Private and Confidential
Mobile Banking Funds Transfer
Specific ISO Field Message DE03 Processing Code
Format FIXED Value n Length 6 Coding BCD
Coding that identifies (1) the cardholder transaction type and (2) the cardholder account types, if any, affected by the transaction. This is a fixed-length field for three data elements, as follows. Positions 12, Transaction Type: A two-digit code identifying the cardholder transaction type or the processing center function being processed. Possible values are: '28' Card-holder Account Transfer Positions 34, Account Type (From): A two-digit code identifying the account type affected by this transaction. (For domestic account transfers, the account from which an account transfer is made). Possible values are: '00' Default Account '10' Savings Account '20' Checking Account '30' Credit Card Account
Positions 56, Account Type (To): A two-digit code identifying the account type affected by this transaction. (For domestic account transfers, a two-digit code identifying the account type to which an account transfer is made).
National Payment Switch Bangladesh (NPSB)
58 Private and Confidential
Possible values are: '00' Default Account '10' Savings Account '20' Checking Account '30' Credit Card Account DE100 Receiving Institution Identification Code
Format HLVAR n Length ..11 Coding BCD Value Beneficiary banks code (numeric)
DE103 Account Identification Code-2 (to-account)
Format HLVAR n Length 0..99 Coding ASCII Value Target of the transferred account (numeric)
DE122 Additional Record Data
Format HLLVAR n Length 0..99 Coding ASCII Value MBFT
National Payment Switch Bangladesh (NPSB)
59 Private and Confidential
Mobile Banking Bill Payment
Specific ISO Field Message DE03 Processing Code
Format FIXED Value n Length 6 Coding BCD
Coding that identifies (1) the cardholder transaction type and (2) the cardholder account types, if any, affected by the transaction. This is a fixed-length field for three data elements, as follows. Positions 12, Transaction Type: A two-digit code identifying the cardholder transaction type or the processing center function being processed. Possible values are: '00' Retail goods and service Positions 34, Account Type (From): A two-digit code identifying the account type affected by this transaction. (For domestic account transfers, the account from which an account transfer is made). Possible values are: '00' Default Account '10' Savings Account '20' Checking Account '30' Credit Card Account
Positions 56, Account Type (To): A two-digit code identifying the account type affected by this transaction. (For domestic account transfers, a two-digit code identifying the account type to which an account transfer is made).
National Payment Switch Bangladesh (NPSB)
60 Private and Confidential
Possible values are: '00' Default Account '10' Savings Account '20' Checking Account '30' Credit Card Account DE100 Receiving Institution Identification Code
Format HLVAR n Length ..11 Coding BCD Value Biller banks code (numeric)
DE103 Account Identification Code-2 (to-account)
Format HLVAR n Length 0..99 Coding ASCII Value Target of the billing account (numeric)
DE122 Additional Record Data
Format HLLVAR n Length 0..99 Coding ASCII Value MBBP
National Payment Switch Bangladesh (NPSB)
61 Private and Confidential
Mobile Banking Retail Purchase
Specific ISO Field Message DE03 Processing Code
Format FIXED Value n Length 6 Coding BCD
Coding that identifies (1) the cardholder transaction type and (2) the cardholder account types, if any, affected by the transaction. This is a fixed-length field for three data elements, as follows. Positions 12, Transaction Type: A two-digit code identifying the cardholder transaction type or the processing center function being processed. Possible values are: '00' Retail goods and service Positions 34, Account Type (From): A two-digit code identifying the account type affected by this transaction. (For domestic account transfers, the account from which an account transfer is made). Possible values are: '00' Default Account '10' Savings Account '20' Checking Account '30' Credit Card Account
Positions 56, Account Type (To): A two-digit code identifying the account type affected by this transaction. (For domestic account transfers, a two-digit code identifying the account type to which an account transfer is made).
National Payment Switch Bangladesh (NPSB)
62 Private and Confidential
Possible values are: '00' Default Account '10' Savings Account '20' Checking Account '30' Credit Card Account DE100 Receiving Institution Identification Code
Format HLVAR n Length ..11 Coding BCD Value Biller banks code (numeric)
DE103 Account Identification Code-2 (to-account)
Format HLVAR n Length 0..99 Coding ASCII Value Target of the billing account (numeric)
DE122 Additional Record Data
Format HLLVAR n Length 0..99 Coding ASCII Value MBR
National Payment Switch Bangladesh (NPSB)
63 Private and Confidential
eCommerce Bill Payment
Specific ISO Field Message DE03 Processing Code
Format FIXED Value n Length 6 Coding BCD
Coding that identifies (1) the cardholder transaction type and (2) the cardholder account types, if any, affected by the transaction. This is a fixed-length field for three data elements, as follows. Positions 12, Transaction Type: A two-digit code identifying the cardholder transaction type or the processing center function being processed. Possible values are: '00' Retail Goods and Service Positions 34, Account Type (From): A two-digit code identifying the account type affected by this transaction. (For domestic account transfers, the account from which an account transfer is made). Possible values are: '00' Default Account '10' Savings Account '20' Checking Account '30' Credit Card Account
Positions 56, Account Type (To): A two-digit code identifying the account type affected by this transaction. (For domestic account transfers, a two-digit code identifying the account type to which an account transfer is made).
National Payment Switch Bangladesh (NPSB)
64 Private and Confidential
Possible values are: '00' Default Account '10' Savings Account '20' Checking Account '30' Credit Card Account
DE47 WAY4 Proprietary Field
Format HLLVAR n Length 0..999 Coding ASCII Value 914003
DE122 Additional Record Data
Format HLLVAR n Length 0..99 Coding ASCII Value ECBP
eCommerce Retail Purchase
National Payment Switch Bangladesh (NPSB)
65 Private and Confidential
Specific ISO Field Message DE03 Processing Code
Format FIXED Value n Length 6 Coding BCD
Coding that identifies (1) the cardholder transaction type and (2) the cardholder account types, if any, affected by the transaction. This is a fixed-length field for three data elements, as follows. Positions 12, Transaction Type: A two-digit code identifying the cardholder transaction type or the processing center function being processed. Possible values are: '00' Retail Goods and Service Positions 34, Account Type (From): A two-digit code identifying the account type affected by this transaction. (For domestic account transfers, the account from which an account transfer is made). Possible values are: '00' Default Account '10' Savings Account '20' Checking Account '30' Credit Card Account
Positions 56, Account Type (To): A two-digit code identifying the account type affected by this transaction. (For domestic account transfers, a two-digit code identifying the account type to which an account transfer is made). Possible values are: '00' Default Account '10' Savings Account '20' Checking Account '30' Credit Card Account
DE47 WAY4 Proprietary Field
Format HLLVAR n Length 0..999 Coding ASCII Value 914003
DE122 Additional Record Data
Format HLLVAR n Length 0..99 Coding ASCII Value ECR
National Payment Switch Bangladesh (NPSB)
66 Private and Confidential
Internet Banking Funds Transfer
Specific ISO Field Message DE03 Processing Code
Format FIXED Value n Length 6 Coding BCD
Coding that identifies (1) the cardholder transaction type and (2) the cardholder account types, if any, affected by the transaction. This is a fixed-length field for three data elements, as follows. Positions 12, Transaction Type: A two-digit code identifying the cardholder transaction type or the processing center function being processed. Possible values are: '28' Card-holder Payment Positions 34, Account Type (From): A two-digit code identifying the account type affected by this transaction. (For domestic account transfers, the account from which an account transfer is made). Possible values are: '00' Default Account '10' Savings Account '20' Checking Account '30' Credit Card Account
Positions 56, Account Type (To): A two-digit code identifying the account type affected by this transaction. (For domestic account transfers, a two-digit code identifying the account type to which an account transfer is made).
National Payment Switch Bangladesh (NPSB)
67 Private and Confidential
Possible values are: '00' Default Account '10' Savings Account '20' Checking Account '30' Credit Card Account DE100 Receiving Institution Identification Code
Format HLVAR n Length ..11 Coding BCD Value Beneficiary banks code (numeric)
DE103 Account Identification Code-2 (to-account)
Format HLVAR n Length 0..99 Coding ASCII Value Target of the transferred account (numeric)
DE122 Additional Record Data
Format HLLVAR n Length 0..99 Coding ASCII Value IBFT
National Payment Switch Bangladesh (NPSB)
68 Private and Confidential
Internet Banking Bill Payment
Specific ISO Field Message DE03 Processing Code
Format FIXED Value n Length 6 Coding BCD
Coding that identifies (1) the cardholder transaction type and (2) the cardholder account types, if any, affected by the transaction. This is a fixed-length field for three data elements, as follows. Positions 12, Transaction Type: A two-digit code identifying the cardholder transaction type or the processing center function being processed. Possible values are: '00' Retail Goods and Service Positions 34, Account Type (From): A two-digit code identifying the account type affected by this transaction. (For domestic account transfers, the account from which an account transfer is made). Possible values are: '00' Default Account '10' Savings Account '20' Checking Account '30' Credit Card Account
Positions 56, Account Type (To): A two-digit code identifying the account type affected by this transaction. (For domestic account transfers, a two-digit code identifying the account type to which an account transfer is made).
National Payment Switch Bangladesh (NPSB)
69 Private and Confidential
Possible values are: '00' Default Account '10' Savings Account '20' Checking Account '30' Credit Card Account DE100 Receiving Institution Identification Code
Format HLVAR n Length ..11 Coding BCD Value Biller banks code (numeric)
DE103 Account Identification Code-2 (to-account)
Format HLVAR n Length 0..99 Coding ASCII Value Target of the billing account (numeric)
DE122 Additional Record Data
Format HLLVAR n Length 0..99 Coding ASCII Value IBBP
National Payment Switch Bangladesh (NPSB)
70 Private and Confidential
PAD Payment
Specific ISO Field Message DE03 Processing Code
Format FIXED Value n Length 6 Coding BCD
Coding that identifies (1) the cardholder transaction type and (2) the cardholder account types, if any, affected by the transaction. This is a fixed-length field for three data elements, as follows. Positions 12, Transaction Type: A two-digit code identifying the cardholder transaction type or the processing center function being processed. Possible values are: '00' Retail Goods and Service Positions 34, Account Type (From): A two-digit code identifying the account type affected by this transaction. (For domestic account transfers, the account from which an account transfer is made). Possible values are: '00' Default Account '10' Savings Account '20' Checking Account '30' Credit Card Account
Positions 56, Account Type (To): A two-digit code identifying the account type affected by this transaction. (For domestic account transfers, a two-digit code identifying the account type to which an account transfer is made).
National Payment Switch Bangladesh (NPSB)
71 Private and Confidential
Possible values are: '00' Default Account '10' Savings Account '20' Checking Account '30' Credit Card Account
DE47 WAY4 Proprietary Field
Format HLLVAR n Length 0..999 Coding ASCII Value 914003
DE122 Additional Record Data
Format HLLVAR n Length 0..99 Coding ASCII Value Government Account Code
National Payment Switch Bangladesh (NPSB)
72 Private and Confidential
ISO8583 REVERSAL ADVICE MESSAGE FOR NPSB
This section contains the flow diagram of ISO8583 Reversal Advice Message for some particular
transactions in NPSB.
ATM Funds Transfer (ATMFT01) Reversal
National Payment Switch Bangladesh (NPSB)
73 Private and Confidential
ATM Cash Withdrawal Reversal
National Payment Switch Bangladesh (NPSB)
74 Private and Confidential
ATM Bill Payment (ATMBP02) Reversal
National Payment Switch Bangladesh (NPSB)
75 Private and Confidential
POS Cash Advance Reversal
National Payment Switch Bangladesh (NPSB)
76 Private and Confidential
POS Bill Payment Reversal
National Payment Switch Bangladesh (NPSB)
77 Private and Confidential
POS Retail Purchase Reversal
National Payment Switch Bangladesh (NPSB)
78 Private and Confidential
Kiosk Funds Transfer (KIOSKFT01) Reversal
National Payment Switch Bangladesh (NPSB)
79 Private and Confidential
Kiosk Bill Payment (KIOSKBP02) Reversal
National Payment Switch Bangladesh (NPSB)
80 Private and Confidential
e-Commerce Bill Payment Reversal
National Payment Switch Bangladesh (NPSB)
81 Private and Confidential
e-Commerce Retail Purchase Reversal
National Payment Switch Bangladesh (NPSB)
82 Private and Confidential
PCI DSS COMPLIANCE
REQC0008 PCI DSS Compliance
Business Requirement Bangladesh Bank requires that the systemshould be fully compliant with the PCI-DSS security rules and
requirements standards.
Technical Details WAY4 is fully certified for PA-DSS Payment Application Data Security Standards. This certification will be helpful
when Bangladesh Bank will be passing their PCI DSS audit. PA-DSS consolidates the most effective and time-proven
security policies of the major international payment systems MasterCard, Visa, AMEX, Discover, and JCB. The
goal of PA-DSS is to help software vendors and others develop secure payment applications that do not store
prohibited data, such as full magnetic stripe, CVV2 or PIN data, and ensure their payment applications support
compliance with the PCI DSS. Payment applications that are sold, distributed or licensed to third parties are subject
to the PA-DSS requirements.
National Payment Switch Bangladesh (NPSB)
83 Private and Confidential
SECURITY
REQC0009 Security
Business Requirements Bangladesh Bank requires user management to be implemented in WAY4 Application to be able to manage and
track user activity.
Audit of the actions should be implemented and be accessible by the administrator for investigation if required.
According to PCI-DSS all sensitive data in the database should be encrypted.
All Keys stored in WAY4 should be encrypted with LMK of Security Devices.
Technical Details Standard Oracle security solutions will be used, such as:
Oracle Advanced Security
All operations with security values and keys are performed using appropriated security devices certified by IPS.
User Management The system provides the capability to manage access to the WAY4 objects and information. It includes:
Users and User Groups of WAY4
Individual menu per User Group
Several levels of Users Group types (Clerk, Administrator, Auditor)
WAY4 uses Oracle mechanisms to grant access to the Users and Groups. Every User registered in WAY4 client
application is automatically registered as Oracle User in DB. All necessary grants are granted through Oracle Roles
and privileges.
Trace and Audit WAY4 provides the following capabilities for Trace and Auditing:
Amendment History every manual change of data to WAY4 tables including changes initiated through a batch interface or web service, is recorded with the following additional information:
o User who did the change o Timestamp the change was done o Workstation that was used to make the change
Process Log every process start and stop timestamps are recorded
Process Log for Screen Forms access every access to Screen Form can be recorded in Process Log
Login History every login of the users is recorded
National Payment Switch Bangladesh (NPSB)
84 Private and Confidential
Channel Monitor every channel status change (e.g. connected, disconnected, sign-on) is recorded
When the user changes any field value in the database, WAY4 saves the changed record in the database with a flag
indicating that it is the currently active record (amendment status 'Active'), while at the same time creating
another record in the database with the previous values of the record with a flag indicating that record is currently
not active (amendment status 'Inactive').
When user deletes a record from database, WAY4 does not physically delete the record from database, but marks
it with a flag indicating that this record has been deleted (amendment status 'Closed').
This gives the administrator full amendment history of particular record in database and helps in tracking who
changed a particular field, what was changed and when the change was done.
Connection Management WAY4 Manager Client application uses Oracle JDBC driver to connect to Oracle Database. In order to secure
connection itself Oracle Advanced Security is used.
WAY4 also provides a feature which allows users (who are also oracle users) to connect using WAY4 Manager
Application only, in this case the users will not be able to connect to the Oracle database using other tools. A
special parameter will be specified in WAY4 in order to keep password in a special format which does not allows
connection from other application like SQL+, TOAD, PL/SQL Developer etc.
National Payment Switch Bangladesh (NPSB)
85 Private and Confidential
Enhancements
FEE CALCULATION (FOR SETTLEMENT REPORT)
REQE0001 Fee Calculation (for Settlement Report)
Business Requirement Bangladesh Bank requires that WAY4 supports the fee calculation based on the source channel and transaction
type. WAY4 will calculate the fee each time the settlement report for the Core Banking System is being generated.
Technical Details
Fee Structure Below is the table of fee structure parameters for each of transactions on their respecting channel. The fees value
will be based on the transaction amount multiplied with the fee parameters value.
SN Transaction type Cardholder Merchant Beneficiary Issuer Acquirer Beneficiary NPSB
1 OTC, FT+BP (Iss+Acq) -1 - 0 0 0.8 0 0.2
2 ATM, FT (Acq+Ben) -1 - 0 0 0.8 0 0.2
3 ATM, FT (Iss+Acq) -1 - 0 0 0.8 0 0.2
4 ATM, FT (Iss+Ben) -1 - 0 0 0.8 0 0.2
5 ATM Cash Withdrawal -1 - - 0 0.8 - 0.2
6 ATM Cash Deposit -1 - - 0 0.8 - 0.2
7 ATM Mini-statement -1 - - 0 0.67 - 0.33
8 ATM Balance Enq 0 - - 0 0 - 0
9 ATM BP (Iss+Acq) -1 - 0 0 0.8 0 0.2
10 ATM BP (Acq) -1 - 0 0 0.8 0 0.2
11 ATM BP (Acq+Ben) -1 - 0 0 0.8 0 0.2
12 POS Cash Withdrawal -1 - - 0 0.8 - 0.2
13 POS Retail 0 2.00% - 0.50% 1.00% - 0.50%
14 Kiosk, FT (Acq+Ben) -1 - 0 0 0.8 0 0.2
15 Kiosk, FT (Iss+Acq) -1 - 0 0 0.8 0 0.2
16 Kiosk, FT (Iss+Ben) -1 - 0 0 0.8 0 0.2
17 Kiosk Mini-statement -1 - - 0 0.67 - 0.33
18 Kiosk Balance Enq 0 - - 0 0 - 0
19 Kiosk, BP (Iss+Acq) -1 - 0 0 0.8 0 0.2
20 Kiosk, BP (Acq) -1 - 0 0 0.8 0 0.2
National Payment Switch Bangladesh (NPSB)
86 Private and Confidential
SN Transaction type Cardholder Merchant Beneficiary Issuer Acquirer Beneficiary NPSB
21 Kiosk, BP (Acq+Ben) -1 - 0 0 0.8 0 0.2
22 m-Comm FT -1 - 0 0 0.7 0 0.3
23 m-Comm BP -1 - 0 0 0.7 0 0.3
24 m-Comm Retail 0 2.00% 0 0.50% 1.00% 0 0.50%
25 e-Comm BP -1 0 0 0 0 0.8 0.2
26 e-Comm Retail 0 3.00% - 0.75% 1.50% - 0.75%
27 IB-FT -1 0 0 0 0 0.8 0.2
28 IB-BP -1 0 0 0 0 0.8 0.2
29 PAD Payment -1 - - - - - 1
Impact Areas Core Banking Settlement Report Bank Settlement Report
Dependencies Transaction Document
National Payment Switch Bangladesh (NPSB)
87 Private and Confidential
Interfaces
ISO 8583 common requirements:
Message Structure The file structure is described in field structure as follow:
Message Header A 4-byte ASCII message header containing the length of the message has to be sent at the beginning of
the message. The message length would exclude the length of the header.
Message Type Identifier (MTID) Each message starts with a Message Type Identifier (MTID) which a four-digit numeric field is identifying
the message version, class, function and originator, as defined by ISO 8583. The MTID field consists of 4
ASCII coded bytes with MTID value. The online Way4 host-to-host interface uses the following values:
First digit Version Number: o 0 : ISO 8583: 1987 o 1 : ISO 8583: 1993 o 9 : Reserved for private use
Second digit Message Class: o 1 : Authorization o 2 : Financial o 3 : File Action o 4 : Reversal/Chargeback o 5 : Reconciliation o 6 : Administrative o 7 : Fee collection o 8 : Network Management
Third digit Message Function: o 0 : Request o 1 : Request Response o 2 : Advice o 3 : Advice Response o 4 : Notification
Fourth digit Transaction Originator: o 0 : Acquirer o 1 : Acquirer Repeat o 2 : Card Issuer o 3 : Card Issuer Repeat o 4 : Other o 5 : Other Repeat
National Payment Switch Bangladesh (NPSB)
88 Private and Confidential
Bit Maps The second component of a message is one, two or three 'bit maps' referred to as the 'Primary Bit Map',
'Secondary Bit Map' and 'Third Bit Map'. Each consists of 8 bytes and is interpreted as 64 individual bits.
For the Primary Bit Map, the bits are numbered from the left starting with 1, up to 64. Each bit signifies
the presence (1) or the absence (0) in the message of the data element associated with that particular bit,
according to its position (i.e. number) within the bit map. The Primary Bit Map must always be present.
The first bit of the bit map indicates the presence (1) or the absence (0) of the next bit map. For the
Secondary Bit Map, the bits are numbered starting with 65, up to 128. The Secondary Bit Map must be
present in a message if the message contains a data element numbered 65 or higher. For the Third Bit
Map, the bits are numbered starting with 129, up to 192. The Third Bit Map must be present in a
message if the message contains a data element numbered 129 or higher.
Data Elements
The final component of a message consists of a number of 'data elements'. Data elements may be of fixed
or variable length. No delimiters are used between data elements. Their order and presence is indexed by
the associated bit map(s). Variable length data starts with length specified, indicating the length of that
particular data element. Each data element is characterized by:
No is a running number Data Element Name is name of field Position is starting position of the field. Size is the length of the field. For example: Pos