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Network Detection

VISA cards are detected by PAN prefix:
  • Starts with 4
  • 13, 16, or 19 digits

Required Fields

VISA authorization requests require:

VISA-Specific Fields

Field 62 - VISA Private Data

Reserved for VISA-specific data elements:

Field 63 - VISA Additional Data

Additional transaction data:

POS Entry Modes (Field 22)

Common VISA values: The third digit is PIN entry capability: 1 means the terminal can accept PINs, 2 means it can’t. See Field 22 for every code the validator accepts.

Response Codes (Field 39)

Example: VISA Authorization Request

Example: VISA EMV Authorization

VISA Base I/II

VISA uses two processing environments:
  • Base I: Authorization and clearing
  • Base II: Settlement and reconciliation
iso8583sim focuses on Base I authorization messages.

Validation

VISA-specific validation: