Overview

File Options

Incoming ATM and debit card transactions are verified against the credit union’s Card Account File (CAF), Debit Account File (DAF) or Account Exception File (AEF), depending on the options the credit union selected at Fiserv Card Services. The CAF and DAF allow you to order debit cards using Client WorkStation.

  • CAF - The CAF option allows the credit union to create an individual CAF record for each card, containing all the information necessary to authorize transactions, including withdrawal limits, bad PIN tries, and access to valid account types.
  • DAF - The DAF option supports the eDebit product and allows the credit union to create an individual DAF for each card. The record contains all the necessary information for transaction authorizations, such as withdrawal limits, bad PIN tries, account access and pending holds.
  • AEF - The AEF option allows the credit union to create card level parameters that override the credit union level parameters, such as higher/lower withdrawal limits or hot carding accounts. The AEF records contain all the information necessary to authorize transactions, including withdrawal limits, bad PIN tries, and access to valid account types.

Fiserv Card Services will cross-reference the credit union’s LOGO to a CUP, which determines the credit union’s processor and the data line the transaction is sent through. Portico has two terminal ID’s per region specifically designated for Fiserv Card Services transactions. One is for incoming data sent by Fiserv Card Services, the other is for the response sent from Portico. Fiserv Card Services reformats the transaction data into an X9.24 format before sending it to Portico.

CNS X.94 Format  

Message Types

The types of transactions and responses sent by Fiserv Card Services and Portico are broken down into 7 categories:

Fiserv Card Services

Portico

Authorization Request (0100)

Authorization Response (0110)

Authorization Cancel Request (0102)

Authorization Cancel Response (0112)

Authorization Advice Request (0120)

Authorization Advice Response (0130)

Transaction Request (0200)

Transaction Response (0210)

Reversal Request (0202)

Reversal Response (0212)

Store/Forward Request (0220)

Store/Forward Response (0230)

Network Management Message (0800)

Network Management Response (0810)

Here is a sample of a Transaction Request (0200) sent by Fiserv Card Services.

CNS 0200 Request
  1. Message type
  2. Bit 01 - PAN: 165854360000001000 (PAN Length = 16, Card Prefix = 585436, ATM ID = 0000001000)
  3. Bit 02 - Processing Code: 301000
  4. Bit 03 - Transaction Amount: 00001000
  5. Bit 04 - Settlement Amount: D00000000 (not used by Portico for 0100 messages, this can be zeros)
  6. Bit 06 - System Trace Number: 000001
  7. Bit 07 - Local Transaction Date: 0103
  8. Bit 08 - Capture Date: 0103
  9. Bit 10 - Local Transaction Time: 134525
  10. Bit 11 - Network or Acquirer Settlement Date: 0103
  11. Bit 12 - Merchant Type: 9999
  12. Bit 13 - Acquiring Institution ID Code: 10777767000 (Portico uses the last 10 digits to match to the ATM OWNER ID field on the 9S5 Transaction.)
  13. Bit 23 - Original Amount: 000000000 (Not used by Portico for 0200 messages.)
  14. Bit 25 - Point of Service Condition Code: 14
  15. Bit 28 - Cashback Amount: 00000000
  16. Bit 33 - Account Identification 1: 00BIT 33
  17. Bit 34 - Account Identification 2: 00BIT 34
  18. Bit 38 - Card Acceptor Identification Code: 999000 (These six characters are used to match to the NETID field on the 9S5 Transaction.)
  19. Bit 38 - Card Acceptor Identification Code: OR002541 (These six characters are used to match to the ATM LOC ID field on the 9S5 Transaction.)
  20. Bit 46 - Additional Data: 000
  21. Bit 47 - Merchant ID: CUSD Fiserv Card Services TEST
  22. Bit 48 - Card Acceptor Name/Location: TX PLANO 5400 LEGACY DR B1-2D
  23. Bit 52 - Transmission Date: 0103
  24. Bit 53 - Transmission Time: 134525
  25. Bit 55 - Visa Debit Hold Amount: 00000000 (If the credit union does not use online Debit Holds, Fiserv Card Services checks the hold on funds file.)
  26. Bit 60 - Institution Business Date: 0103
  27. Bit 61 - Additional Data: 000

The 0210 message is Portico’s response to the 0200 message. The system will return the general ledger and available balances in bits 04 and 05 if the point of service condition code is an ATM code (02, 62, 72 or 92).

CNS 0210 Portico Response
  1. Message type
  2. Bit 01 - PAN: 165854360000001000 (PAN Length = 16, Card Prefix = 585436, ATM ID = 0000001000)
  3. Bit 02 - Processing Code: 301000
  4. Bit 03 - Transaction Amount: 00001000
  5. Bit 04 - Settlement Amount D00000000 (not used by Portico for 0100 messages, this can be zeros)
  6. Bit 05 - Transaction Fee Amount: C00449831 (This bit contains the general ledger balance when the response code is 03.)
  7. Bit 06 - System Trace Number: 000001
  8. Bit 07 - Local Transaction Date: 0103
  9. Bit 08 - Capture Date: 0103
  10. Bit 10 - Local Transaction Time: 134525
  11. Bit 11 - Network or Acquirer Settlement Date: 0103
  12. Bit 12 - Merchant Type: 9999
  13. Bit 13 - Acquiring Institution ID Code: 10777767000 (Portico uses digits 3 - 10 to match to the ATM OWNER ID field on the 9S5 Transaction)
  14. Bit 23 - Original Amount: 000000000 (Not used by Portico for 0200 messages.)
  15. Bit 25 - Point of Service Condition Code: 14
  16. Bit 27 - Response Code: 03
  17. Bit 33 - Account Identification 1: 00BIT 33
  18. Bit 34 - Account Identification 2: 00BIT 34
  19. Bit 38 - Card Acceptor Identification Code: 999000 (These six characters are used to match to the NETID field on the 9S5 Transaction.)
  20. Bit 38 - Card Acceptor Identification Code: OR002541 (These six are used to match to the ATM LOC ID field on the 9S5 Transaction.)
  21. Bit 46 - Additional Data: 000
  22. Bit 47 - Merchant ID: CUSD Fiserv Card Services TEST
  23. Bit 48 - Card Acceptor Name/Location: TX PLANO 5400 LEGACY DR B1-2D
  24. Bit 52 - Transmission Date: 0103
  25. Bit 53 - Transmission Time: 134525
  26. Bit 60 - Institution Business Date: 0103
  27. Bit 61 - Additional Data 000