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Supported Networks

Network Detection

Networks are automatically detected from the PAN (Primary Account Number):

Detection Rules

Manual Network Specification

Override auto-detection by specifying the network:

Network-Specific Fields

Each network has specific field format requirements:

Required Fields by Network

Different networks require different fields for authorization:

Network Validation

The validator checks network-specific requirements:

Common Field Differences

Field 22 - POS Entry Mode

Three digits: the first two are the PAN entry mode (how the card number was captured), the third is the terminal’s PIN entry capability. For example, 051 is a chip read at a terminal that accepts PINs, and 812 is e-commerce with no PIN entry. For VISA and Mastercard messages the validator checks field 22 against these codes, and reports 95 on a Mastercard message as a Visa-only code. Other networks use their own field 22 schemes, so their values aren’t checked. Source: the DE022 code reference aligned to the Mastercard Customer Interface Specification and Visa VisaNet Authorization-Only Online Messages (link).

Field 39 - Response Codes

Field 55 - EMV Data

EMV (chip card) data format is consistent across networks, but specific tags may vary in interpretation.

Next Steps