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