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Replacement
Replacement The October 2006 MDS Settlement and Reports replaces your
existing manual.
What is in the This new version reflects changes effective with MDS Release 06.3.
new version?
Please refer to:
Summary of Changes for a comprehensive list of changes

reflected in this update.
Using this Manual for a complete list of the contents of this
manual.
Billing MasterCard will bill principal members for this document. Please
refer to the appropriate MasterCard Consolidated Billing System
manual for billing-related information.
Questions? If you have questions about this manual, please contact the
Customer Operations Services team or your regional help desk.
Please refer to Using this Manual for more contact information.
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Summary of Changes
MDS Settlement and Reports, October 2006
To locate these changes onlinesearch on the date next to the revision bar. On the Adobe Reader
toolbar, click Search. In the Search pane, type Oct 2006 and then click Search.
Change Summary Description of Change Where to Look
Changed name Changed references to MasterCard International with Entire manual

MasterCard Worldwide.
Added process Added a description and flowchart describing the current Chapter 1
flow settlement processing option using the Settlement Account
Management (S.A.M.) system. Also modified the processing
option using GCMS.
Reorganized Reorganized chapter 2, Batch Data File, to show the 250-byte Chapter 2
chapter batch data file first, followed by the older 5200 record file format.
Also added record headings so that the records will now list in the
table of contents.
Updated Batch Removed switch fees references from the FREC/NREC Chapter 2
Data File (Financial/Non-Financial records) and STRL (Settlement Trailer Chapter 3
Record) in the Batch Data File. References to switch fees in the
tables have been replaced with Reserved for Future Use.
Noted in the MDS Release 06.3 Document.
Modified report Removed the print line Debit MasterCard Transactions on Chapter 3
SWCHD143 report SWCHD143, Maestro POS Daily Processing Summary.
Added field to Modified the following report samples to display the new BIN Chapter 3
the SWCHD363 Number field supporting Multiple Currency Settlement.:
and SWCHD412
SWCHD363, Daily Control report
reports
SWCHD412, Daily Interchange report
Obsolete report Added a note stating that the SWCHD57 and SWCHD108, Chapter 3
Transaction Audit reports are obsolete. Members should reference
the Batch Data File for the information currently provided on these
two reports.
1 of 1
MDS Settlement and
Reports
October 2006
Copyright
The information contained in this manual is proprietary and confidential to

MasterCard International Incorporated or one of its affiliated entities
(collectively MasterCard) and its customer financial institutions.
This material may not be duplicated, published, or disclosed, in whole or in

part, without the prior written permission of MasterCard.
Trademarks
Trademark notices and symbols used in this manual reflect the registration
status of MasterCard trademarks in the United States. Please consult with the
Customer Operations Services team or the MasterCard Law Department for the
registration status of particular product, program, or service names outside the
United States.
All third-party product and service names are trademarks or registered

trademarks of their respective owners.
Media
This document is available:

On MasterCard OnLine
On the MasterCard Electronic Library (CD-ROM)
On the MDS Suite (CD-ROM)
Translated into Spanish
Translated into Portuguese
MasterCard Worldwide
2200 MasterCard Boulevard
OFallon MO 63368-7263
USA
1-636-722-6100
www.mastercard.com
2006 MasterCard
MDS Settlement and Reports October 2006 Publication Code: CN
Table of Contents
Using this Manual

Purpose................................................................................................................... 1
Audience................................................................................................................. 1
Overview ................................................................................................................ 1
Excerpted Text ....................................................................................................... 2
Language Use ......................................................................................................... 2
Times Expressed..................................................................................................... 2
Revisions ................................................................................................................. 3
Related Information................................................................................................ 3
ISO Specifications................................................................................................... 4
Support ................................................................................................................... 5
Member Relations Representative ................................................................... 6
Regional Representative................................................................................... 6
Chapter 1 Settlement and Reconciliation

Overview .............................................................................................................1-1
Settlement ............................................................................................................1-1
Processors Connected to the MDS through the Banknet
Telecommunications Network......................................................................1-1
Processors Connected Directly to the MDS .................................................1-1
Reconciliation ......................................................................................................1-2
MDS Settlement Process......................................................................................1-2
MDS End of Day Settlement ...............................................................................1-4
Transaction Settlement Amounts ........................................................................1-4

Settling Financial Transactions .....................................................................1-4
Settling Non-financial Transactions ..............................................................1-5
Automated Clearing House (ACH) and Fedwire Settlement Account

Information ..........................................................................................................1-5
ACH Settlement Account Information ..........................................................1-5
Fedwire Settlement Account Information ....................................................1-6
2006 MasterCard
MDS Settlement and Reports October 2006 i
Table of Contents
GCMS Routing Process........................................................................................1-7
MDS ISO 8583 (1987) 02xx Processor Settlement (GCMS)................................1-7

Settlement Position Record Summaries ........................................................1-8
Daily Control Report .....................................................................................1-9
MDS ISO 8583 (1987) 02xx Processor Settlement (S.A.M) ................................1-9

S.A.M Settlement Processing.........................................................................1-9
Daily Control Report ...................................................................................1-10
CIS ISO 8583 (1987) 01xx Processor Settlement..............................................1-11
Settlement Total Definitions..............................................................................1-12
Chapter 2 Batch File Specifications

Overview .............................................................................................................2-1
MDS Batch Files ..................................................................................................2-1

MDS Report Transmission File .....................................................................2-1
MDS Transaction Detail File .........................................................................2-1
General Procedures for Batch Files ....................................................................2-2
MDS Batch File Transmission .............................................................................2-2

Data Transmissions .......................................................................................2-2
Banknet Network MIP Batch File Transmission ................................................2-3
Dial-Up Data Communication Hardware ...........................................................2-4
Dial-Up Data Communication Software .............................................................2-4
Batch File Retransmission ...................................................................................2-5

Leased Line Processors .................................................................................2-5
Virtual Private Network (VPN) or Banknet Connected Processors.............2-5
Batch Data Format/250-byte Record Size...........................................................2-6

Batch Transaction Detail File........................................................................2-6
Batch Record Formats.................................................................................2-12
Previous Batch Data File...................................................................................2-41

MDS Record Formats ..................................................................................2-41
File Structure ...............................................................................................2-42
File Options.................................................................................................2-43
File Update RecordOptional (FIT File)...................................................2-44
2006 MasterCard
ii October 2006 MDS Settlement and Reports
Table of Contents
Sequence of Transmission File ...................................................................2-45

MDS Codes ..................................................................................................2-48
Batch Message Formats...............................................................................2-53
Batch FIT Data Formats/80-byte Record Size ..................................................2-74
Chapter 3 Reports
Overview .............................................................................................................3-1
Report Transmission .....................................................................................3-1
Settlement Reports...............................................................................................3-4
Daily Control ReportSWCHD363 ..............................................................3-5
Daily Interchange ReportSWCHD412.....................................................3-29
Monthly Control ReportSWCHM363 .......................................................3-47
Monthly Interchange ReportSWCHM412................................................3-48
Debit MasterCard Inbound/Outbound Fee ReportSWCHD586-A .........3-49
Detail Activity Reports.......................................................................................3-55

Captured Card ReportSWCHD51Removed...........................................3-57
Exception Audit ReportSWCHD53..........................................................3-58
Detailed Suspect Items ReportSWCHD55...............................................3-67
Transaction Audit ReportsSWCHD57 and SWCHD108..........................3-74
Retrieval Request/Fulfillment ReportSWCHD118...................................3-83
Account File UpdatesSWCHD141-1........................................................3-89
Account Management File UpdatesSWCHD141-2..................................3-93
Recurring Payment Cancellation ServiceSWCHD141-3..........................3-97
Maestro POS Transaction Audit ReportSWCHD144 .......................... 3-100
Negative File UpdatesSWCHD147-1 ..................................................... 3-105
VIP File UpdatesSWCHD147-2 ............................................................. 3-108
Statistical Reports............................................................................................. 3-112

Financial Institution Table Report (FIT)SWCHD15-X .......................... 3-114
Institution Definition File (IDF)SWCHD35........................................... 3-117
Daily Processing Summary ReportSWCHD61 ...................................... 3-119
Monthly Availability ReportSWCHD73 ................................................. 3-125
Daily Cardholder Performance ReportSWCHD127-1 ........................... 3-129
Daily Cardholder Performance Variance ReportSWCHD127-2............ 3-132
Maestro POS Daily Processing SummarySWCHD143 .......................... 3-134
Daily Processor Performance ReportSWCHD320-1 ............................. 3-140
2006 MasterCard
MDS Settlement and Reports October 2006 iii
Table of Contents
Processor Peak Performance ReportSWCHD321-1 .............................. 3-144

Processor Daily Summary Performance ReportSWCHD321-2 ............. 3-148
Transaction Interchange Month-to-DateSWCHM03 ............................. 3-151
Month-to-Date Processing Summary ReportSWCHM06....................... 3-155
Month-to-Date Denial Summary ReportSWCHM07 ............................. 3-161
ISIS Reports...................................................................................................... 3-164
Stand-In Reports .............................................................................................. 3-166

Related Reports ......................................................................................... 3-166
Stand-In Transaction Audit ReportSWCHD149 .................................... 3-168
Processor Availability Reports......................................................................... 3-172

Daily Processor Up Time Report (Settlement Date)MS1100BB........... 3-174
Daily Processor Up Time Report (Calendar Date)MS1100DD............. 3-177
Monthly Processor Up Time Report MS1101AA .................................. 3-179
Month-to-Date ReportMS1101BB.......................................................... 3-181
2006 MasterCard
iv October 2006 MDS Settlement and Reports
Using this Manual
This chapter contains information that helps you understand and use this
document.
Purpose...................................................................................................................1
Audience.................................................................................................................1
Overview ................................................................................................................1
Excerpted Text .......................................................................................................2
Language Use .........................................................................................................2
Times Expressed.....................................................................................................2
Revisions .................................................................................................................3
Related Information................................................................................................3
ISO Specifications...................................................................................................4
Support ...................................................................................................................5
Member Relations Representative ...................................................................6
Regional Representative...................................................................................6
2006 MasterCard
MDS Settlement and Reports October 2006 i
Using this Manual
Purpose
Purpose
The MasterCard MDS Settlement and Reports manual is one of the four manuals
comprising the MasterCard Debit Switch Suite. The MasterCard Debit Switch
Suite consists of:
MDS Online Specifications
MDS Programs and Services
MDS Settlement and Reports
NICS Users Guide
The MDS Settlement and Reports manual serves as one of the primary technical
references for all debit programs and services supported by MasterCard.
Audience
MasterCard provides this manual for members and their authorized agents.
Specifically, the following personnel should find this manual useful:
MasterCard members directly connected to the MasterCard Debit Switch
Third party processors directly connected to the MasterCard Debit Switch
Overview
The following table provides an overview of this manual:
Chapter Description
Table of Contents A list of the manuals chapters and subsections. Each entry
references a chapter and page number.
Using this Manual A description of the manuals purpose and its contents.
1 Settlement and Illustrates and describes the settlement and reconciliation
Reconciliation processes for debit MasterCard, Cirrus, and Maestro
transactions.
2 Batch File Defines options and formats for receiving batch data files to
Specifications assist in settlement, reconciliation, and reporting at the
processor or institution level.
3 Reports Provides detailed description and examples of reports
produced by the MasterCard Debit Switch.
2006 MasterCard
MDS Settlement and Reports October 2006 1
Using this Manual
Excerpted Text
Excerpted Text
At times, this document may include text excerpted from another document. A
note before the repeated text always identifies the source document. In such
cases, we included the repeated text solely for the readers convenience. The
original text in the source document always takes legal precedence.
Language Use
The spelling of English words in this manual follows the convention used for
U.S. English as defined in Merriam-Websters Collegiate Dictionary.
MasterCard is incorporated in the United States and publishes in the United
States. Therefore, this publication uses U.S. English spelling and grammar
rules.
An exception to the above spelling rule concerns the spelling of proper nouns.
In this case, we use the local English spelling.
Times Expressed
MasterCard is a global company with locations in many time zones. The
MasterCard operations and business centers are in the United States. The
operations center is in St. Louis, Missouri, and the business center is in
Purchase, New York.
For operational purposes, MasterCard refers to time frames in this manual as

either St. Louis time or New York time. Coordinated Universal Time (UTC)
is the basis for measuring time throughout the world. You can use the
following table to convert any time used in this manual into the appropriate
time in another zone:
St. Louis, Purchase, New York

Missouri USA USA UTC
Central Time Eastern Time
Standard time 09:00 10:00 15:00
(last Sunday in October to the
first Sunday in April a)
Daylight saving time 09:00 10:00 14:00
(first Sunday in April to last
Sunday in October)
a For Central European Time, last Sunday in October to last Sunday in March.
2006 MasterCard
2 October 2006 MDS Settlement and Reports
Using this Manual
Revisions
Revisions
MasterCard periodically will issue revisions to this document as we implement
enhancements and changes, or as corrections are required.
With each revision, we include a Summary of Changes describing how the

text changed. Revision markers (vertical lines in the right margin) indicate
where the text changed. The month and year of the revision appear at the
right of each revision marker.
Occasionally, we may publish revisions or additions to this document in a

Global Debit Operations Bulletin or other bulletin. Revisions announced in
another publication, such as a bulletin, are effective as of the date indicated in
that publication, regardless of when the changes are published in this manual.
Related Information
The following documents and resources provide information related to the
subjects discussed in this manual. For descriptions of these documents, please
refer to the List of Manuals in the Member Publications product on MasterCard
2
OnLine.
Chargeback Guide
Cirrus Worldwide Operating Rules
Data Communications Manual
Maestro Global Rules
MasterCard Consolidated Billing System
MasterCard Debit Financial Simulator
MasterCard Member ICC Testing ProceduresDebit
MDS Online Specifications
MDS Programs and Services
NICS Users Guide
Payment Card Industry PIN Security Requirements
Settlement Manual
Debit members that also process transactions using the Authorization (01xx)
message format should reference the above manuals and the following
manuals:
Authorization System Manual

Account Management User Manual
2006 MasterCard
Using this Manual
ISO Specifications
Members that use the Cirrus service and logo or that process online debit
transactions should refer to the debit processing manuals recommended by the
Customer Operations Services team.
For definitions of key terms used in this document, please refer to the
MasterCard Dictionary on the Member Publications home page (on MasterCard
OnLine and the MasterCard Electronic Library CD-ROM).
To order MasterCard manuals, please use the Ordering Publications service on

MasterCard OnLine, or contact the Customer Operations Services team.
ISO Specifications Oct

2006
The message format specifications used by MasterCard Worldwide are based

on the International Organization for Standardization (ISO) 8583-1987. These
message specifications also comply with the recommendations of the American
National Standards Institute (ANSI) committees for electronic funds
interchange, where their recommendations are appropriate and do not conflict
with the international scope of MasterCard Worldwide business and
operational requirements.
2006 MasterCard
Using this Manual
Support
Support
Please address your questions to the Customer Operations Services team as
follows:
Phone: 1-800-999-0363 or 1-636-722-6176
1-636-722-6292 (Spanish language support)
Fax: 1-636-722-7192
E-mail: Canada, Caribbean, Latin customer_support@mastercard.com

America, South Asia/Middle
East/Africa, and U.S.
Asia/Pacific:
Australia and New member_operations@mastercard.com

Zealand
China, Hong Kong, and helpdesk.gc@mastercard.com

Taiwan
South East Asia helpdesk.singapore@mastercard.com
Japan/Guam helpdesk.tokyo@mastercard.com
Korea korea_helpdesk@mastercard.com
Europe css@mastercard.com
Spanish language support lagroup@mastercard.com
Vendor Relations, all regions vendor.program@mastercard.com
Address: MasterCard Worldwide

Customer Operations Services
2200 MasterCard Boulevard
OFallon MO 63368-7263
USA
Telex: 434800 answerback: 434800 ITAC UI
2006 MasterCard
Using this Manual
Support
Member Relations Representative

Member Relations representatives assist U.S. members with marketing
inquiries. They interpret member requests and requirements, analyze them,
and if approved, monitor their progress through the various MasterCard
departments. This does not cover support for day-to-day operational
problems, which the Customer Operations Services team addresses.
For the name of your U.S. Member Relations representative, contact your local
Member Relations office:
Atlanta 1-678-459-9000
Chicago 1-847-375-4000
Purchase 1-914-249-2000
San Francisco 1-925-866-7700
Regional Representative
The regional representatives work out of the regional offices. Their role is to
serve as intermediaries between the members and other departments in
MasterCard. Members can inquire and receive responses in their own
languages and during their offices hours of operation.
For the name of the location of the regional office serving your area, call the
Customer Operations Services team at:
Phone: 1-800-999-0363 or 1-636-722-6176
1-636-722-6292 (Spanish language support)
2006 MasterCard
1 Settlement and Reconciliation
This chapter provides a description of the settlement and reconciliation
processes of MasterCard ATM, Debit MasterCard, Cirrus, and Maestro financial
and non-financial transactions.
Overview .............................................................................................................1-1
Settlement ............................................................................................................1-1
Telecommunications Network......................................................................1-1
Processors Connected Directly to the MDS .................................................1-1
Reconciliation ......................................................................................................1-2
MDS Settlement Process......................................................................................1-2
MDS End of Day Settlement ...............................................................................1-4
Transaction Settlement Amounts ........................................................................1-4

Settling Financial Transactions .....................................................................1-4
Settling Non-financial Transactions ..............................................................1-5
Automated Clearing House (ACH) and Fedwire Settlement Account

Information ..........................................................................................................1-5
ACH Settlement Account Information ..........................................................1-5
Fedwire Settlement Account Information ....................................................1-6
GCMS Routing Process........................................................................................1-7
MDS ISO 8583 (1987) 02xx Processor Settlement (GCMS)................................1-7

Settlement Position Record Summaries ........................................................1-8
Daily Control Report .....................................................................................1-9
MDS ISO 8583 (1987) 02xx Processor Settlement (S.A.M.) ...............................1-9

S.A.M Settlement Processing.........................................................................1-9
Daily Control Report ...................................................................................1-10
CIS ISO 8583 (1987) 01xx Processor Settlement..............................................1-11
Settlement Total Definitions..............................................................................1-12
2006 MasterCard
MDS Settlement and Reports October 2006 1-i
Settlement and Reconciliation
Overview
Overview
The MDS Settlement and Reports manual for the settlement and reconciliation
process describes MasterCard ATM, Debit MasterCard, Cirrus, and Maestro
financial and non-financial transactions.
Settlement
Oct
Acquirer and issuer processors are responsible for individual settlement with 2006
terminal owners and card issuers; the MDS settles only with each processor,
unless the processor supports the Member Level Settlement option. Refer to
the MDS Programs and Services manual for additional information on member
level settlement. Chapter 3 of this document describes MDS Settlement
reports.
Oct
2006
Telecommunications Network
Each CPS connected to the MDS through an online Customer Interface
Specification (CIS) interface to the Banknet telecommunications network
receives Integrated Product Messages (IPM) clearing data reflecting settlement Oct
2006
data in accordance with standard MasterCard procedures.
Processors Connected Directly to the MDS

Each CPS connected directly to the MDS must perform clearing and settlement Oct
2006
determination processing in accordance with the procedures established by the
MDS.
2006 MasterCard
MDS Settlement and Reports October 2006 1-1
Reconciliation
Reconciliation
Oct
The MDS provides reconciliation data for processors through batch detail 2006
transmission files (raw data files) and various MDS transaction detail reports
(pre-formatted bulk file reports). In this manual, Chapter 2 describes the file
format specifications for the MDS batch detail transmissions and Chapter 3
describes the MDS reports.
MasterCard encourages processors to develop an automated process to

compare batch detail files (generated and transmitted by MDS) to the internal
batch records (maintained by the processor).
The automated compare process will highlight any balancing differences the
member can research using the MDS reports. Each processor is responsible for
a daily reconciliation of its internal batch totals to the settlement totals
provided by MDS.
MDS Settlement Process

For specific information about settlement options and processing, refer to the Oct
MasterCard Settlement Manual. 2006
The following options are available in the MDS Settlement process.

Regional Settlement
ACH Clearing Account
Available to Maestro and Cirrus processors and members connected
to MDS who settle in U.S. dollars.
MasterCards Settlement Account Management (S.A.M.)
Available to Maestro, Cirrus, and Debit MasterCard processors and
members who wish to settle in U.S. dollars or one of the other
settlement currencies supported by MasterCard.
Intracurrency Settlement
Processors/members must participate in GCMS clearing
May receive IPM clearing Financial Detail/1240 message or IPM
clearing Fee Collection/1740 message.
2006 MasterCard
1-2 October 2006 MDS Settlement and Reports
MDS Settlement Process
Depending upon the online interface, the MDS can settle with each processor Oct
in one of the following ways. 2006
Table 1.1Settlement /Clearing Options
Settlement Process Description

ACH Clearing Account Maestro and Cirrus processors and members
connected to MDS settling in U.S. dollars.
Settlement Account Management MDS will send daily settlement positions
system (S.A.M.) Fedwire Account directly to S.A.M. for processors that use MDS
ISO 8583 Financial Transaction/0200
messages through the Banknet network and
participating in the MDS multiple currency
option.
Refer to the MDS Programs and Services
manual for additional information on the
MDS multiple currency settlement option.
MDS will send daily settlement positions
using IPM formatted Miscellaneous Summary
(1740) records to GCMS for processors that
use MDS 8583 Financial Transaction/0200
messages through the Banknet network and
not participating in the MDS multiple
currency option.
GCMS will pass the settlement positions to
S.A.M.
Refer to the MDS Programs and Services
manual for additional information on the
MDS multiple currency settlement option.
For processors using the CIS ISO 8583
Authorization Request/0100 messages
through the Banknet network. Settlement
will result from GCMS processing GCMS
Financial Detail records (1240) and passing
the settlement positions to S.A.M.
2006 MasterCard
MDS End of Day Settlement
MDS End of Day Settlement

The MDS settles transactions received after the settlement day end on the next Oct
MDS business day. 2006
Table 1.2MDS Settlement Day Ends
Debit MasterCard 07:00 New York time

Maestro/Cirrus 15:00 New York time
Settlement Service (Brazil 23:00 New York time
intracurrency) Oct
2006
Processors must reconcile with the MDS based upon the MDS end of day
settlement date transmitted in the online transaction request message. It is the
responsibility of the processor to maintain any necessary reconciliation files.
Processors may find the settlement totals presented by the MDS differ from
their calculated settlement totals. In these instances, the processor must
accurately account for any unreconciled items.
Transaction Settlement Amounts

Oct
The transaction settlement amount is the amount of the transaction settled 2006
between processors. The MDS calculates this amount during offline batch
processing.
Settling Financial Transactions

The settlement amount calculation uses the following formula for financial
transactions:
Credit Acquiring Processor Interchange Settlement

(Financial Settlement +/- Reversal + Interchange fees) minus
Debit Issuing Processor Interchange Settlement

(Financial Settlement +/- Reversal + Interchange fees) equals
Net Settlement Amount
Note Refer to the SWCHD363 Daily Control Report for a detailed calculation of the
net settlement amount.
2006 MasterCard
Automated Clearing House (ACH) and Fedwire Settlement Account Information
Settling Non-financial Transactions

The settlement amount for non-financial transactions (balance inquiries,
transfers and denials) are calculated using the following formula:
Settlement Amount = transaction interchange fee amounts.
Note For ATM transactions, the acquirer receives interchange fees and the issuer is
charged interchange fees. In a POS environment, the issuer is credited
interchange fees, and the acquirer pays interchange fees.
Automated Clearing House (ACH) and Fedwire Settlement

Account Information
The following sections provide information about Automated Clearing House
(ACH) and Fedwire settlement accounts.
ACH Settlement Account Information

Oct
Automated Clearing House (ACH) payments system is an association of 2006
financial institutions that have networked together to exchange (clear and
settle) electronic transactions.
Processors electing to receive settlement through the ACH service must

provide the following settlement account information on the Processor
Information Questionnaire (PIQ) to the MDS during the sign-up and
implementation process:
Name of the receiving financial institution
Federal Reserve route and transit number of the receiving financial
institution
Account number to be used as the settlement clearing account
Note Processors must select a settlement bank in the United States to establish an
ACH account.
2006 MasterCard
Automated Clearing House (ACH) and Fedwire Settlement Account Information
Fedwire Settlement Account Information

The Fedwire funds transfer system is owned and operated by the Federal Oct
2006
Reserve System (the United States Central Bank). A financial institution that
maintains an account with a Federal Reserve Bank may become a Fedwire
participant. Participants use Fedwire to instruct a reserve bank to debit funds
from their account and to credit the reserve account of another participant.
Debit MasterCard processors receive settlement through a Fedwire. These

processors provide the following settlement account information on the Net
Settlement Agreement (NSA) to the MDS during the sign-up and
implementation process:
Name of the receiving financial institution
Federal Reserve routing and transit number of the receiving financial
institution
Account number to be used as the settlement clearing account
Oct
Note Processors must select a settlement bank in the United States that is a
2006
participant of the Central Bank.
For details on completing an NSA form, refer to the MasterCard Settlement
Manual.
Figure 1.1 shows the settlement process for processors settling through ACH or
Fedwire.
Figure 1.1Settlement Routing Process Using ACH or Fedwire
ACH/Fedwire ACH/Fedwire ACH/Fedwire
CR/DR CR/DR CR/DR
MDS Federal Reserve Bank Settlement Institution APS/IPS
2006 MasterCard
GCMS Routing Process
GCMS Routing Process Oct

2006
GCMS is a centralized clearing facility owned and operated by MasterCard for

the daily processing and routing of worldwide financial transactions between
MasterCard and its members.
To use GCMS, the processor must supply an ICA number. The member
ID/ICA number is a unique six-digit identification number assigned by
MasterCard to a processor or institution.
Figure 1.2 shows the settlement information routing process for processors
settling through GCMS.
Figure 1.2Settlement Position Routing Process Using GCMS
MDS ISO 8583 (1987) 02xx Processor Settlement (GCMS) Oct

2006
Processors connected through the Banknet telecommunications network and

not participating in MDS multiple currency settlement processing will receive
settlement information through the IPM 1740 Fee Collection record totals.
Processors receive their net financial settlement totals and net interchange fee
totals in individual GCMS records. GCMS records are contained in R111 bulk
files.
Note Processors connected to the Banknet telecommunications network, and electing

to receive IPM 1740 may use the Processor Information Questionnaire (PIQ) to
sign-up for these records.
2006 MasterCard
MDS ISO 8583 (1987) 02xx Processor Settlement (GCMS)
The processors bulk file may contain up to five records summarizing the Oct
processors activity for the settlement day. Two for the processors acquiring 2006
activity and three for the processors issuing activity. The number of records
depends on whether the processor is an issuer, an acquirer, or both.
The MDS ICA is 2202 and is always the sending ICA. The MDS ICA generates
the GCMS 1740 and transmits the settlement record to the processors receiving Oct
2006
ICA. MasterCard collectively refers to these settlement records as the Daily
Records and includes them in the bulk file. Each Daily Record contains the
following identifying fields:
Transaction Originator Institution ID Code (DE 94) = 2202
Message Reason Code (DE 25) = 7804
Processing Code (DE 3, subfield 1) = 19 to indicate a credit to the receiving
members ICA
Or,
Processing Code (DE 3, subfield 1) = 29 to indicate a debit to the receiving
members ICA
Note 01xx interface issuers will see settlement records named Fees for Financial and
Non-financial Transactions Settlement Fees.
Oct
Intracurrency settlement members will see settlement records for net of 2006
financial settlement amounts, NETAM (acquirer and issuer side), and
interchange fees (acquirer and issuer side).
Oct
Settlement Position Record Summaries 2006
Table 1.3 lists the settlement position record summaries.
Table 1.3Transaction Settlement Record Summaries
IPM Heading Data

Summary Information Provided in Record Record (DE 72)
Maestro/Cirrus AcquiringNet Transaction Amount NETAQ
Cirrus AcquiringInterchange Fee FEEAQ
Maestro/Cirrus IssuingNet Transaction Amount NETAM
Cirrus IssuingInterchange Fee FEES
2006 MasterCard
MDS ISO 8583 (1987) 02xx Processor Settlement (S.A.M.)
Note The NETAQ and NETAM 1740 records in the R111 file integrate the Maestro
financial transaction settlement with the Cirrus financial transaction settlement.
Daily Control Report

Processors should reconcile to the MDS Daily Control Report (SWCHD363)
contained in their T461 bulk file (for settlement amounts as an acquiring or
issuing processor, or both). The settlement amounts on the report should
Oct
match the amounts transmitted in the settlement records. Refer to the Reports 2006
chapter of this manual for field descriptions and sample report layouts for the
SWCHD363 report.

Processors connected through the Banknet telecommunications network
using the MDS multiple currency settlement process receive settlement through
the Settlement Account Management (S.A.M.) system.
S.A.M Settlement Processing

Settlement Account Management (S.A.M.) system is a Windows-based client-
server software application designed to streamline the process of moving
funds. Funds are exchanged based on the net value of all cleared financial
transactions for each settlement day. The net value may include the following:
Transaction amounts processed through the clearing system(s)
Cash disbursement and ATM cash disbursement accommodation fees
The MDS multiple currency settlement process enables MasterCard to convert
the transaction amounts received into the members selected settlement
currency, and then send the converted amounts directly to the MasterCard
Settlement Account Management (S.A.M) system, eliminating the need for
GCMS records.
2006 MasterCard
Oct
Figure 1.3 shows the data flow for processing directly with S.A.M. 2006
Figure 1.3Settlement Process Using S.A.M.
T461 (Batch) T461 (Batch)
T462 (Report) Banknet T462 (Report)

Network
APS/IPS MIP
MDS Settlement
S.A.M.
Note This option is not available for intracurrency settlement activity.
Daily Control Report

Processors should reconcile to the MDS Daily Control Report (SWCHD363)
contained in their T461 bulk file (for settlement amounts as an acquiring or
issuing processor, or both). The settlement amounts on the report should
match the amounts on the settlement advisement. Refer to the Reports chapter
of this manual for field descriptions and sample report layouts for the
SWCHD363 report.
2006 MasterCard
CIS ISO 8583 (1987) 01xx Processor Settlement
CIS ISO 8583 (1987) 01xx Processor Settlement

Processors using the CIS ISO 8583 Authorization Request/0100 message series
for MasterCard/Cirrus ATM transaction activity receive settlement through IPM
1240 First Presentment records.
These records are used to post transactions to cardholders accounts.
Processors may request these records by using the Processor Information

Questionnaire. The processor must supply an ICA number for each
FIT/institution prefix.
Figure 1.4 shows the data flow for processors settling through IPM detail. Oct
2006
Figure 1.4Settlement Process
Processors using 01xx messages receive settlement through IPM 1740 Fee
Collection record totals.
These records include the financial and non-financial transaction interchange

fees for MasterCard ATM transactions.
2006 MasterCard
Settlement Total Definitions
Settlement Total Definitions

Table 1.4 describes the settlement totals calculations.
Table 1.4Settlement Totals Calculations
Term Definition
Total debit amount The sum of transaction completion amounts from debit
financial transactions.
Total credit amount The sum of transaction completion amounts from credit
financial transactions.
Reversal debit amount The sum of reversal amount debits from reversal
transactions.
Reversal credit amount The sum of reversal amount credits from reversal
transactions.
Table 1.5 describes the interchange totals for the acquirer processing system
calculations.
Table 1.5Interchange Totals for the Acquirer Processing System Calculations
Term Definition
Interchange The sum of settlement amounts from credit financial
amount-CR transactions and credit reversal transactions.
Interchange The sum of settlement amounts from debit financial
amount-DR transactions, debit reversal transactions, and inquiry
transactions.
Table 1.6 describes the interchange totals for the issuer processing system
calculations.
Table 1.6Interchange Totals for the Issuer Processing System Calculations
Term Definition
Interchange Sum of settlement amounts from debit financial
amount-DR transactions, debit reversal transactions, and inquiry
transactions.
Interchange The sum of settlement amounts from credit financial
amount-CR transactions and credit reversal transactions.
2006 MasterCard
2 Batch File Specifications
This chapter describes the two different types of batch data files provided to
the Customer Processing System (CPS).
Overview .............................................................................................................2-1
MDS Batch Files ..................................................................................................2-1

MDS Report Transmission File .....................................................................2-1
MDS Transaction Detail File .........................................................................2-1
General Procedures for Batch Files ....................................................................2-2
MDS Batch File Transmission .............................................................................2-2

Data Transmissions .......................................................................................2-2
Configuration Options ............................................................................2-3
Banknet Network MIP Batch File Transmission ................................................2-3
Dial-Up Data Communication Hardware ...........................................................2-4
Dial-Up Data Communication Software .............................................................2-4
Batch File Retransmission ...................................................................................2-5

Leased Line Processors .................................................................................2-5
Virtual Private Network (VPN) or Banknet Connected Processors.............2-5
Batch Data Format/250-byte Record Size...........................................................2-6

Batch Transaction Detail File........................................................................2-6
Batch File Structure.................................................................................2-7
Sequence of Transmission File...............................................................2-8
Batch Record Formats.................................................................................2-12
File Header Record (FHDR)Required...............................................2-12
Settlement Header Record (SHDR)Required....................................2-13
Financial (FREC)/Non-financial (NREC) RecordsRequired..............2-14
Financial/Non-financial Posting Addendum Record (FPST)
Optional.............................................................................................2-19
Financial/Non-financial Fee Addendum Record (FEER)
Optional.............................................................................................2-20
Financial/Non-financial Debit MasterCard Addendum Record
(DBMC)Optional ...............................................................................2-21
2006 MasterCard
Batch File Specifications
Financial/Non-financial Debit MasterCard Airline Ticket

Addendum Record (AIRA)Optional .................................................2-23
Financial/Non-financial Parcelas Addendum Record (PARC)
Optional.............................................................................................2-24
Financial/Non-financial Maestro CDC Addendum Record
(MCDC)Optional ...............................................................................2-25
Financial/Non-financial Maestro Post Dated Addendum
Record (MPDT)Optional ...................................................................2-26
Financial/Non-financial Maestro Installment Addendum Record
(MIST)Optional..................................................................................2-27
Financial/Non-financial Additional Data Addendum Record
(ADDR)Optional................................................................................2-29
Financial/Non-financial Exception Record (EREC)Required ...........2-30
Financial/Non-financial Exception Record (EPST)Optional............2-34
Settlement Trailer Record (STRL)Required.......................................2-36
Interchange Compliance Issuer Detail Adjustment Record
(INTC)Required .................................................................................2-39
File Trailer Record (FTRL)Required..................................................2-40
Previous Batch Data File...................................................................................2-41

MDS Record Formats ..................................................................................2-41
File Structure ...............................................................................................2-42
File Header RecordRequired.............................................................2-42
Financial/Non-financial and Exception Item Record ..........................2-42
File Options.................................................................................................2-43
File Control RecordRequired ............................................................2-44
Settlement RecordRequired...............................................................2-44
File Update RecordOptional (FIT File)...................................................2-44
Full File Replacement ...........................................................................2-44
File Update Versions.............................................................................2-44
Sequence of Transmission File ...................................................................2-45
MDS Codes ..................................................................................................2-48
Response Codes....................................................................................2-48
Processing Codes ..................................................................................2-50
Completion Codes ................................................................................2-52
Completion Code Position Status...................................................2-52
Completion Code Values................................................................2-52
Batch Message Formats...............................................................................2-53
File Header Record ...............................................................................2-53
Financial/Non-financial (5220) Record ................................................2-54
Airline Ticket Number and Additional Itinerary Data .........................2-59
2006 MasterCard
2-ii October 2006 MDS Settlement and Reports
Exception Transaction (5240) Record ..................................................2-60

File Control (5499) Record ...................................................................2-66
Settlement (5500) Record .....................................................................2-67
80-byte FIT File with Country Code (5300) Record ............................2-69
80-byte FIT File without Country Code (5300) Record.......................2-72
Batch FIT Data Formats/80-byte Record Size ..................................................2-74

FIT Header Record (FITH)Required.................................................2-75
FIT Data Records (FITD)Optional ....................................................2-75
FIT Trailer Record (FITT)Required...................................................2-78
2006 MasterCard
MDS Settlement and Reports October 2006 2-iii
Overview
Overview
The MasterCard Debit Switch (MDS) provides two different types of batch
data files to the customer processing system (CPS) that participates in one or
more electronic file transfer (EFT) programs offered by the MDS. The MDS
provides this batch file data to assist CPS and individual EFT program members
with their internal Customer Service, Settlement, and Reconciliation operations.
MDS Batch Files

The two types of batch files provided by the MDS are:
MDS Report Transmission Files
MDS Transaction Detail Files
MDS Report Transmission File

The MDS Report Transmission File is a preformatted print-output file of the
daily and month-to-date MDS-generated reports.
A single MDS Report Transmission File format is used to create the MDS
reports for the processor processing through the Banknet telecommunications
network (Chapter 3 of this manual details the actual MDS reports). The
processor will receive:
Production Bulk ID T461
MDS Member Test Bulk ID T467
MDS Transaction Detail File

The MDS produces a daily file of all transaction activity for each CPS
participating in an EFT program. These records, including summary count
and amount totals and daily settlement records, are available to CPS for their
use in settlement reconciliation processing. Processors that process through
the Banknet telecommunications network will receive:
MDS Member Test Bulk ID T468
2006 MasterCard
General Procedures for Batch Files
General Procedures for Batch Files

MDS batch data files transmit no earlier than 10:00 p.m. U.S. Eastern Time
(3:00 a.m. UT) seven days a week. The MDS transmits data using dial up lines
from the MDS, leased lines, or the Banknet network bulk data transfer facility.
To assist in data recovery, the MDS maintains cycles (for example, business
Oct
days) of transaction detail and report data for each CPS in production. If a
2006
processor encounters problems, they can request a retransmission of data files
(report and detail) for the specific cycle where the problem occurred.
MDS Batch File Transmission

The MDS provides optional electronic transmission of transaction detail and
report data files.
Data Transmissions
The MDS supports external complex-to-complex batch file data transmission
with various MasterCard supported protocols. A proprietary data
communication software product developed by MasterCard, MasterCard File
Express, enables processors to download and upload production and test files
from the MDS to CPS, retrieve archived files, generate a file transmission
report, and print the file transmission report to the CPS printer or preview it
from the MasterCard File Express application.
Following is a list of file transfer products used for data transmissions:
File Transfer Products developed by MasterCard
MasterCard File Express Client

MasterCard File Express Scheduler (batch mode only)
File Transfer Products developed by Sterling Commerce
Connect: Direct (also known as NDM)

Connect: Enterprise (also known as SuperTRACs)
Connect: Gateway (Connect: Gateway add-on product for ASCII file
transfers)
File Transfer Product developed by Computer Associates
CA-XCOM (also known as XCOM 6.2)
2006 MasterCard
Banknet Network MIP Batch File Transmission
Configuration Options
1. Connect: Direct-to-Connect: Direct (all leased line network connections)
Mainframe-to-Mainframe VPN over TCP/IP (preferred option)
Mainframe-to-Mainframe SNA/SNI over VPN (next best option)
Mainframe-to-Mainframe SNA/SNI (Token-Ring, bisync)
Mainframe-to-Mainframe TCP/IP over Ethernet
2. Connect: Enterprise-to-Connect: Enterprise
Leased Line (Mainframe-to-Mainframe SNA/SNI, bisync)
Dial Line (bisync)
3. Connect: Mailbox-to-Other 2780/3780 Emulators
Leased Line (Mainframe-to-Mainframe SNA/SNI, bisync)
Dial Line (bisync)
4. Connect: Gateway-to-ASCII Servers or PC Workstations
Leased Line or Dial (Mainframe-to-ASYNC server using the following ASCII
protocols: Kermit, Zmodem, Ymodem, and Xmodem)
5. MFE-to-PC Workstations
Dial Line, Internet, or VPN using MasterCard Online Enterprise Edition
(data exchanged using TCP protocol, data encrypted at 128-bit key
encryption, data compressed using Run Length Encoding algorithm, users
authenticated through SecurID token)
Banknet Network MIP Batch File Transmission

Customer processing systems that use the Banknet network MIP Bulk Data
Facility (T461/T462 files) for batch data file transmission must refer to the
Data Communications Manual for all technical specifications. Refer to the
Using this Manual chapter of this publication for information on how to
obtain copies of the Data Communications Manual.
2006 MasterCard
Dial-Up Data Communication Hardware
Dial-Up Data Communication Hardware

MDS batch data file transmissions operate at nominal rates of 9.6 to 19.2 KBPS
in the dial-up mode.
The MDS bases the acceptability of a CPS data communication modem for data
transfer on results of communication testing that the MDS conducts during CPS
acceptance testing. Processors must complete all acceptance testing before
production processing of batch file data. Any changes to a CPS facilitys
modem equipment requires additional acceptance testing with the MDS.
Dial-Up Data Communication Software

CPS facilities that want batch data file transmission using 3780/2780
communication must employ software subsystems that are fully compatible
with the IBM 3780/2780 communication standard. The MDS requires that the
processor test the 3780/2780 software used by a CPS for suitability and
compatibility before production data file transmission.
The MDS bases the acceptability of data communication software on results of

communication testing that the MDS conducts during acceptance testing. If
serious performance problems or errors occur after the processor initiates
production processing, the MDS may require a CPS facility to perform
additional acceptance testing of its data transmission software with the MDS.
2006 MasterCard
Batch File Retransmission
Batch File Retransmission

The following information applies to retransmission of data files.
Leased Line Processors

After a data transmission failure, a processor can request the retransmission of
the production file within 30 calendar days of the original transmission date.
For acceptance testing, there is a five-day window for retransmission.
Oct
Processors should contact MasterCard Worldwide Customer Operations 2006
Services to request a retransmission.
Phone: 1-636-722-6405
Virtual Private Network (VPN) or Banknet Connected

Processors
After a data transmission failure, a processor can request the retransmission of
the production file within 30 calendar days of the original transmission date.
For acceptance testing, there is a 30-day window for retransmission. Oct
Processors in the U.S. should contact MasterCard Worldwide Customer 2006
Operations Services to request a retransmission.
Phone: 1-636-722-6405
Processors in all other regions should contact their Regional Help Desk to
request a retransmission.
2006 MasterCard
Batch Data Format/250-byte Record Size

This chapter provides detail record layouts for the 250-byte Batch Data File
and the layout for the Financial Institution Table (FIT) 80-byte Data File.
Oct
Processors using the 250-byte Batch Data File must receive the 80-byte FIT 2006
Data File. Processors may receive the 80-byte FIT Data File before completing
the conversion to the 250-byte Batch Data File.
The 250-byte format supports financial, non-financial, and addendum records.

Each record layout is displayed with the appropriate fields and corresponding
attributes from the online transaction processing log file used to create the
records. The values in the Comments and Values column are generated from Oct
2006
the online messages, unless otherwise indicated, except interchange fees
which are calculated in batch.
Transaction records are sorted by settlement currency, PAN, and Switch Serial
Number.
Note The 250-byte Batch Data File records are provided to processors in the
credit/debit position of the transactions as they are settled to either the
acquirer or issuer. Debits to issuers are presented as credits to acquirers, and
credits to issuers are presented as debits to acquirers.
The 250-byte Batch Data File also provides a net settlement record in addition
to the acquirer and issuer settlement records in the file. When the file contains
both acquirer and issuer activity, the net settlement record represents the net
of both these positions. This net settlement record provides information useful
for reconciling and validating to MasterCard Debit Switch (MDS) reports.
Batch Transaction Detail File

The 250-byte Batch Data File is available for each CPS participating in an EFT
program. Processors that process through the Banknet telecommunications
network will receive the Batch Data Files as:
Member Test Bulk ID T470
2006 MasterCard
Batch File Structure

Each record in the 250-byte Batch Data File format is identified by a Message Oct
Type Indicator (MTI) in the first four (4) positions of the record. The 2006
following MTIs indicate standard records and are always provided in the Batch
Data File when it contains records.
Table 2.1Valid Values for Message Type Indicators (MTI)Standard
Value Message Type Indicators

FHDR File Header Record
FREC Financial Record
NREC Non-financial Record
EREC Exception Record
SHDR Settlement Header Record
STRL Settlement Trailer Record
INTC Interchange Compliance Record
FTRL File Trailer Record
FITH FIT Header Record
FITD FIT Data Record
FITT FIT Trailer Record
The following addendum records are optional. These records are provided
only if the processor has chosen to receive them. The values for the
addendum indicators in positions 14 are as follows:
Table 2.2Valid Values for Message Type Indicators (MTI)Optional

Addendum Segments

FPST Financial/Non-financial Posting Addendum Record
EPST Financial Exception Posting Addendum Record
FEER Financial/Non-financial Fee Addendum Record
DBMC Financial/Non-financial Debit MasterCard Addendum
Record
AIRA Financial/Non-financial Debit MasterCard Airline Ticket
Addendum Record
PARC Financial/Non-financial Parcelas Addendum Record
(Available For Brazil Only)
2006 MasterCard

MCDC Financial/Non-financial Maestro CDC Addendum Record
(Available For Brazil Only)
MPDT Financial/Non-financial Maestro Post Dated Addendum

Record (Available for Brazil Only)
MIST Financial/Non-financial Maestro Installment Payment
Addendum Record (Available for Brazil Only)
ADDR Financial/Non-financial Additional Data Addendum
Record
Sequence of Transmission File

The Batch Data File transmission lists the acquirer information, followed by the
issuer information. A separate Settlement Trailer record is present for each
currency with representative transaction settlement. Processors receiving the
file as both an acquirer and issuer receive one Settlement Trailer record as
acquirer, one Settlement Trailer record as issuer, and one Settlement Trailer
record with the net of acquirer and issuer positions reported. Each record is
identified as A (acquirer), I (issuer), or N (net) settlement. This information is
essential to the reconciliation process used by processors. Financial, Non-
financial, and Exception Records appear in the file as records for a particular
settlement date.
Table 2.3Sample Transmission without Transactions
Description Comments
File Header This required record contains processor identification data.
Record (FHDR)
Settlement Trailer This record contains settlement position at a processor level by
Record (STRL) settlement currency. This record will be represented as N net
settlement position.
Financial Trailer This record contains the total number of records in file.
Record (FTRL)
2006 MasterCard
Table 2.4Sample Transmission with Financial, Non-financial, Exception

Transactions
File Header Record This required record contains processor identification data.
(FHDR)
Settlement Header This required record contains the currency of settlement data.
Record (SHDR) There will be a Settlement Header record (SHDR) to identify
each settlement currency represented in the activity for the
processor.
Financial Record This required record contains detailed financial transaction data.
(FREC)
Non-financial This required record contains detailed non-financial data.
Record (NREC)
Exception Record This required record contains adjustment, chargeback and
(EREC) representment data.
Settlement Trailer This required record contains settlement position at a processor
Record (STRL) level by settlement currency. The identifier of A (Acquirer)
indicates acquirer settlement position. The I (Issuer) indicates
issuer settlement position, and the N (Net) settlement of the
acquirer and issuer. Each transmission will contain one of the
following Settlement Trailer Records (STRL) combinations:
Acquirer and Net (A & N)
Issuer and Net (I & N)
Acquirer, Issuer, and Net (A, I, & N)
There will be a Settlement Trailer Record (STRL) for each
settlement currency represented in the activity for the processor.
Interchange This record is dynamic.
Compliance Issuer When this record is created it is forwarded to the MDS from
Detail Adjustment GCMS through the MasterCard File Express or Bulk File. Once
Record (INTC) received, the MDS will identify the receiving processor by
identifying the ICA number with the IPT (ICA Processor Table).
This record, when received, will provide issuers and acquirers
with information to determine the effect of interchange
compliance on their net settlement.
File Trailer This record contains the total number of records in the file.
Record (FTRL)
2006 MasterCard
Table 2.5Sample Transmission with Financial, Non-financial, Exception and

Optional Addendum records
File Header This required record contains processor identification data.
Record (FHDR)
Settlement Header This required record contains currency of settlement data.
Record (SHDR)
Financial Record (FREC) This required record contains detailed financial/non-
/Non-financial Record financial transaction data.
(NREC)
Exception Record This required record contains adjustment, chargeback and
(EREC) representment detail information.
Financial/Non-financial This optional addendum record will be in the file following
Addendum Record the core Financial Record (FREC). This record is used for
Force Post (FPST) posting customer information.
Addendum Record core FREC Financial record, and the FPST Force Post
Exception Force Post record. This record contains adjustment, chargeback and
(EPST) representment detail information.
Addendum Record core FREC Financial record, and any Force Post FPST
(FEER) addendum records.
Financial/Non-financial This optional addendum record follows the core FREC
Addendum Record Financial and any FPST Force Post, EPST Exception Posting
(DBMC) record, and FEER Fee addendum records.
Financial/Non-financial This optional addendum record follows the core FREC
Addendum Record Financial record, FPST Force Post or EPST Exception
(AIRA) posting records, FEER Fee records, and DBMC Debit
MasterCard records.
Financial/Non-financial This optional addendum record is for Parcelas and is
Addendum Record available for Brazil processors only. This record follows the
(PARC) core FREC, Financial and any FPST Force Post and/or FEER
(Brazil Only) Fee addendum records.
Financial/Non-financial This optional addendum record is for the Maestro CDC
Addendum Record information and is available for Brazil Processors only. This
(MCDC) record follows the core FREC Financial and any FPST Force
(Brazil Only) Post and/or FEER Fee addendum records.
Financial/Non-financial This optional addendum record is for the Maestro Post
Addendum Record Dated transaction information and is available for Brazil
(MPDT) processors only. This record follows the core FREC
(Brazil Only) Financial and any FPST Force Post and/or FEER Fee
addendum records.
2006 MasterCard
Financial/Non-financial This optional addendum record is for the Maestro
Addendum Record Installment transaction information and is available for
(MIST) Brazil processors only. This record follows the core FREC
(Brazil Only) Financial and any FPST Force Post and/or FEER Fee
addendum records.
Addendum Record core FREC/EREC Financial record, FPST Force Post or EPST
(ADDR) Exception Posting records, FEER Fee records, DBMC Debit
MasterCard records, and AIRA Airline Ticket addendum
records.
Settlement Trailer This required record reports the settlement position at the
Record (STRL) processor level by settlement currency. The Settlement
trailer record will be created for the Acquirer settlement. A
separate settlement trailer record will be created if the
processor has Issuer activity. A Net Settlement record will
be created to report the net position of the acquirer and
issuer totals. If there is only acquirer or only issuer activity
to report, the acquirer or issuer record will be followed by
a Net Settlement trailer record.
Interchange Compliance This record is dynamic. When this record is created it is
Issuer Detail Adjustment forwarded to the MDS from GCMS via MasterCard File
Record (INTC) Express or Bulk File. Once received the MDS will identify
the receiving processor or by identifying the ICA number
via the IPT (ICA Processor Table). This record when
received, will provide issuers and acquirers with
information to determine the effect of interchange
compliance on their net settlement.
File Trailer Record This record contains the processor ID and the total file
(FTRL) record count.
2006 MasterCard
Batch Record Formats Oct

2006
File Header Record (FHDR)Required

The File Header Record is the leading record in the file and provides the
processor with identifying record information.
Table 2.6File Header Record (FHDR)
ISO DE#
Description Position /Subfield Attribute Comments and Values
Message Type 14 N/A 4a FHDR (File Header)identifies
Indicator Processor File Data information
Settlement Date 510 15 6n Format: MMDDYY
Processor ID 1120 N/A 10 n MDS-assigned Processor ID
Record Size 2123 3n 250
File Type 24 N/A 1 an M Member Testing File

P Production File
Version 2534 N/A 10 an Current version number of the Batch Oct
Data File. 2006
The value may increment with changes

implemented on a per-release basis.
Filler 35250 N/A 216 an Spaces
2006 MasterCard
Settlement Header Record (SHDR)Required Oct

2006
The Settlement Header Record represents the count and dollar totals from the
online message reported through the Batch Transaction Journal File. The
Settlement Header Record is required when there is activity on the file. It
specifies the settlement currency of the transactions, so it is possible to have
multiple Settlement Header Records on the file. To define each settlement
currency.
Table 2.7Settlement Header Record (SHDR)
ISO DE#
Message Type 14 N/A 4a SHDR (File Header)Contains processor
Indicator ID and settlement currency and service
information.
Settlement Service 57 N/A 3n MDS-assigned settlement time identifier
Number
Intra-Currency 811 N/A 4 an Reserved for future use
Agreement Number
Settlement Currency 1214 50 3n Settlement Currency Code
Code
Implied Decimal- 15 N/A 1n Implied decimal of the currency which
Settlement the acquirer or issuer has selected as
their settlement currency (DE 50).
Processor-Acquirer 16 N/A 1a Type of processor listed in the FHDR
or Issuer record. Valid values are:
A = Acquirer
I = Issuer
Reserved 1726 N/A 10 an Reserved for future use

2006 MasterCard
Financial (FREC)/Non-financial (NREC) RecordsRequired Oct

2006
This record layout reflects the core format of an MDS financial/non-financial

transaction, which contains data elements of both the online ISO message, and
batch calculated settlement. These data elements provide information that can
be used by the MDS processor for reconciliation and reporting purposes. The
transaction records are sorted by settlement currency, PAN, and Switch Serial
Number.
Table 2.8Financial (FREC)/Non-financial (NREC)
ISO DE#
Description Position /Subfielda Attribute Comments and Values
Message Type 14 N/A 4a FREC (Financial) or NREC (Non-
Indicator Financial) record
Switch Serial Number 513 63/3 9n From online message
ProcessorAcquirer 14 N/A 1a Type of Processor listed in the FHDR
or Issuer record:
A = Acquirer
I = Issuer
Processor ID 1518 N/A 4n MDS assigned acquirer or issuer

processor ID.
If the receiver of the file is the
acquirer in the transaction, the four
positions of the Processor ID field
will contain the issuer processor ID
(not found in the ISO online
message unless the processor
requests it).
The issuer processor ID appears in the
last four positions of DE 100 in the
online ISO message.
If the receiver of the file is the issuer
in the transaction, the four positions
of the Processor ID field will contain
the acquirer processor ID.
The acquirer processor ID appears in
the last four positions of DE 33 in the
ISO online message or as a processor
option.
Transaction Date 1924 13 6n Local date from the acquirer

Format is: MMDDYY
2006 MasterCard
ISO DE#
Transaction Time 2530 12 6n Local time from the acquirer
Format is: HHMMSS
PAN Length 3132 2n Length of significant number of
Primary Account Number (PAN)
digits
Primary Account 3351 2 19 an From online message
Number (PAN) Left justified, blank filled
Processing Code 5257 3 6n From online message
Trace Number 5863 11 6n From online message
Merchant Type (MCC) 6467 18 4n From online message
POS Entry 6870 22 3n From online message
Reference Number 7182 37 12 an From online message
Acquirer 8392 32 10 n From online message
Institution ID The ISO 8583 institution ID is
preceded by the number 1 because
the ISO DE 32 is 9 digits long and
the bulk file field is 10 digits long.
Terminal ID 93102 41 10 an From online message
Response Code 103104 39 2n From online message
Product Code 105107 63/1 3 an From online message
Includes product code and
interchange type
Advice Reason 108114 60 7 an From online 0220/0420 message
Code Contains blanks when the transaction
completes as requested
ISIS Agreement 115118 N/A 4 an If present, represents the currency in
Code which the transaction will settle.
Settlement (DE 50)
Authorization ID 119124 38 6 an From online message when available
or blanks
Currency Code 125127 49 3n From online message
Transaction
Implied Decimal 128 N/A 1n Implied decimal of Currency
Transaction CodeTransaction (DE 49)
2006 MasterCard
ISO DE#
Completed Amt 129140 4 12 n From online message in currency of
TransLocal DE 49.
When an 0220/0230 or 04XX
message pair follow the original
transaction, the value used is that
from DE 95, Position 112 of the ISO
8583 message.
Completed Amount 141 N/A 1a Indicates if the value is a Credit (C)
TransactionLocal or Debit (D) to the receiver.
DR/CR Indicator When the Completed Amount
TransactionLocal is zero, this field
will be populated with a D.
Cash Back 142153 54/5 12 n From online message, subfield 5, pos
AmtLocal 920 in the currency of DE 49.
Cash Back Amount 154 N/A 1a Indicates if the value is a Credit (C)
Local DR/CR Indicator or Debit (D) to the receiver.
Access FeeLocal 155162 28 8n Fee charged for the transaction
activity expressed in the currency of
DE 49
Access FeeLocal DR/CR 163 28 1a Indicates if the value is a Credit (C)
Indicator or Debit (D) to the receiver.
Settlement
Implied Decimal 167 N/A 1n Implied decimal of DE 50, Currency
Settlement Code Settlement.
Conversion Rate 168175 9 8n From online message. This rate is
Settlement the reciprocal of the online rate.
The online rate is represented as
settlement units to local, while this
rate is represented as local units to
settlement.
Completed Amt 176187 4/5 12 n Completed amount in settlement
Settlement currency of DE 50.
This field contains zeros when the
first two positions of the Processing
Code are 40 (Transfer).
When 04XX message pairs follow the
original transaction, the value used is
from DE 95, Position 1324 of the
ISO 8583 message.
2006 MasterCard
ISO DE#
Completed Amount 188 N/A 1a Indicates if the value is a Credit (C)
Settlement DR/CR or Debit (D) to the receiver.
Indicator When the Completed Amt
Settlement is zero, this field will be
populated with a (D).
Interchange Fee 189198 N/A 10 n Batch generatedsame currency as
DE 50
Interchange Fee 199 N/A 1a Indicates if the value is a Credit (C)
DR/CR Indicator or Debit (D) to the receiver.
Oct
Reserved for 200202 N/A 3n This field is populated with 840.
2006
Future Use
Future Use
Reserved for 204213 N/A 10 n Zero filled.
Future Use
Reserved for 214 N/A 1a This field is populated with a D.
Future Use
Positive ID Indicator 215 N/A 1n Valid values are:
0 Indicates not supported
1 Positive ID is in the issuers
online message; and the FIT
value is greater than zero.
2 Positive ID is in the issuers
value is equal to zero.
3 Positive ID is not present in the
value is greater than zero.
value is equal to zero.
Future Service Filler 216 N/A 1a Reserved for future use.
Cross Border Indicator 217 126 1a Valid values are:
Y Transaction qualifies as a cross
border transaction
N Transaction does not qualify as
cross border transaction
2006 MasterCard
ISO DE#
Cross Border Currency 218 126 1a Valid values are:
Indicator X Transaction does not qualify as
Y Transaction was submitted in the
currency of the country where
the merchant or ATM is located
N Transaction was not submitted in
the currency of the country
where the merchant or ATM is
located
VISA International 219 110/4 1n Indicates whether the ISA fee is
Service Assessment applied to the transaction. Value
(ISA) Fee Indicator values are:
0 No international fee
1 International fee debited
2 International fee credited
Filler 220250 N/A 31 ans Spaces
a Refer to the MDS Online Specifications manual for detailed data element descriptions.
2006 MasterCard
Financial/Non-financial Posting Addendum Record (FPST) Oct

2006
Optional
Table 2.9Financial/Non-financial Posting Addendum Record (FPST)Optional
ISO DE#
Message Type 14 N/A 4a FPST
Indicator The FPST record is created when one
of the following criteria is met:
The FPST PDF flag is turned on, or
The STND PDF flag is turned on
and the Response Code is STND,
or
The MMBH PDF flag is turned on
and the Response Code is MMBH
When created, this record follows the
corresponding FREC.
This addendum record should be used
only by members needing to post from
this file.
POS Data 1424 61 11 an From online message. MDS only
reports the first 11 characters of the
online message
Card-Issuer Institution 2534 N/A 10 n From online message
Account 1 Length 3536 2n
Account 1 From 3755 102 19 an From online message. Left justified,
blank filled.
Filler 5664 N/A 9 an Reserved for future use
Account 2 Length 6566 2n
Account 2 To 6785 103 19 an From online message. Left justified,
blank filled..
Card Acceptor 95116 43 22 ans From online message
Name/Address
Card Acceptor City 117132 43 16 ans From online message
Card Acceptor State 133135 43 3 ans From online message
or Country Code
2006 MasterCard
ISO DE#
Stand-In Transaction 136 1a Valid values are:
Y Yes
N No
Debit MasterCard 137 1a Valid values are:
Off-Line Y Yes
N No
Merchant ID 138152 42 15 an From online message.
This field will only be present when
the Product type is NOT MD.
Oct
Financial/Non-financial Fee Addendum Record (FEER)Optional 2006
Table 2.10Financial/Non-financial Fee Addendum Record (FEER)Optional
ISO DE#
Message Type 14 4a FEER (Fee Record)Optional
Indicator When created this record follows the
corresponding FREC, NREC, or EREC
core records or any corresponding
FPST or EPST addendum records.
Fee Description 1453 N/A 40 an Batch generated to identify the type of
interchange fee applied to the
transaction
Merchant Tier 5456 N/A 3a Batch generated classification for U.S.
Maestro POS transactions.
POS-Merchant ID 5762 110 6n Maestro POS Merchant ID processed
by the acquirer.
2006 MasterCard
Financial/Non-financial Debit MasterCard Addendum Record Oct

2006
(DBMC)Optional
Table 2.11Financial/Non-financial Debit MasterCard Addendum Record (DBMC)Optional
ISO DE#
Message Type 14 4a DBMC (Debit MasterCard)Optional.
Indicator The product type must be MD for this
addendum record to be created
Merchant ID 1428 42 15 an From online message
Banknet Reference 2937 63/4 9 an From online message
Number
Acquirers Reference 3860 63/5 23 an From online message
Number (ARN)
GCMSSettlement 6166 63/6 6 an Format: MMDDYY
Date
GCMSSettlement 6768 63/6 2n Valid values are 16
Cycle Number
GCMS Card 69 110/5 1 ans From online message
Authentication Method
GCMS Cardholder 70 110/5 1 ans From online message
Authentication Entity
GCMS Card Data 71 110/5 1 ans From online message
Output Capability
GCMS Terminal Data 72 110/5 1 ans From online message
Output Capability
GCMS PIN Capture 73 110/5 1 ans From online message
Capability
GCMS PAN 7476 23 3 an When present, distinguishes separate
Sequence Number cards having the same Primary Account
Number (PAN).
GCMS Program 7779 110/2 3 an Indicates participation in special brand
Registration ID specific promotion programs such as
Quick Payment Services, Supermarket,
Gaming.
2006 MasterCard
ISO DE#
GCMS Card 8082 110/7 3 an Identifies the Card Program to which
Acceptance Program the transaction belongs. Valid values
are:
DMC Debit MasterCard
GCMS Business 83 110/7 1 ans Business relationship between the
Service Level Code acquirer and issuer and the
interchange rules governing the
participants in the transaction.
Valid values are:
1 = Interregional
2 = Intraregional
3 = Intercountry
4 = Intracountry
8 = Member-to-member
GCMS Business 8489 110/7 6 ans Business service to which the

Service ID Code transaction is assigned.
GCMS Interchange 9091 110/7 2 ans Interchange rate and editing rules
Rate Designator applied to the transaction.
GCMS Settlement 92 110/7 1 an Identifies the settlement level of the
Service Level Code settlement service.
Valid values are:
1 = Regional
2 = Intraregional
GCMS Settlement 93102 110/7 10 ans Settlement service based on the

Service ID Code settlement service ID selected by the
receiving member.
GCMS Settlement 103108 110/7 6 ans If the Debit MasterCard issuers
Date settlement bank is closed on the date
the transaction is received, this date
will be the next open date for the
settlement bank.
Format: YYMMDD
GCMS Settlement 109110 110/7 2 ans The settlement cycle is a two-digit field
Cycle that identifies the settlement cycle of
the transaction. Valid values are
01 = Cycle 1
02 = Cycle 2
03 = Cycle 3
04 = Cycle 4
05 = Cycle 5
06 = Cycle 6
2006 MasterCard
ISO DE#
Financial/Non-financial Debit MasterCard Airline Ticket Addendum Oct

Record (AIRA)Optional 2006
Table 2.12Financial/Non-financial Debit MasterCard Airline Ticket Addendum Record (AIRA)

Optional
ISO DE#
Message Type 14 4a AIRA (Airline Ticket Required for Debit
Indicator MasterCard)
When created this record follows any
corresponding FPST, FEER and/or
DBMS addendum records.
Switch Serial 513 63/3 9n From online message
Number
Passenger Name 1438 N/A 25 an Passenger Name
Ticket Number 3953 48/93 15 an Ticket Number
Travel Date 5459 N/A 6n Format: MMDDYY
Carrier Code 6061 N/A 2 an Carrier Code
Service Class 6263 N/A 2 an Service Class
Stop Over Code 64 N/A 1 an Stop over Code
City of Origin 6569 N/A 5 an Origin City
City of Destination 7074 N/A 5 an Destination city
2006 MasterCard
Financial/Non-financial Parcelas Addendum Record (PARC) Oct

2006
Optional
Table 2.13Financial/Non-financial Parcelas Addendum Record (PARC)Optional
ISO DE#
Message Type Indicator 14 4a PARC (Parcelas)

Identifier 1415 112 2n Valid values are:
21 Parcelas transaction
50 Construcard Transaction
60 Trishop transaction
Number of Installments 1617 112 2n Number of chosen installments, from

inquiry requests
When the transaction identifier is 50 or
60, this field will not be populated.
Installment Interest 1829 N/A 12 n Estimated installment amount with
interest
Purchase Price with 3041 112 12 n Total amount of transactions with
Interest interest
Annual Interest Rate 4245 112 4n Annual Interest Rate
2006 MasterCard
Oct
Financial/Non-financial Maestro CDC Addendum Record (MCDC) 2006
Optional
Table 2.14Financial/Non-financial Maestro CDC Addendum Record (MCDC)Optional
ISO DE#
Message Type 14 4a MCDC (Maestro CDCOptional)
Indicator When created this record follows any
corresponding FPST and/or FEER
addendum records..
Identifier 1415 112/1 2n Valid value:
20 CDC transaction
Number of 1617 112/2 2n Number of chosen installments, from

Installments inquiry requests
Estimated Installment 1828 112/11 11 n Estimated installment amount for
Amount number of installments chosen.
Estimated Installment 29 N/A 1a Indicates if the value is a Credit (C) or
Amount DR/CR Indicator Debit (D) to the receiver.
Total Amount 3040 112/11 11 n Total to be repaid via installments
Total Amount 41 N/A 1a Indicates if the value is a Credit (C) or
DR/CR Indicator Debit (D) to the receiver.
Monthly Interest Rate 4246 112/11 5n Monthly Interest Rate
Annual Interest Rate 4751 112/11 5n Annual Interest Rate
TAC 5259 112/11 8n Two decimal position Registration
Fee
# of New Options 6061 112/11 2n Number of additional installment
Offered options offered
CDC Identifier 62 N/A 1a Valid values are:
C CDC Purchase
I Inquiry
Filler 63250 N/A 188 Spaces
2006 MasterCard
Financial/Non-financial Maestro Post Dated Addendum Record Oct

(MPDT)Optional 2006
Table 2.15Financial/Non-financial Maestro Post Dated Addendum Record (MPDT)Optional
ISO DE#
Message Type 14 4a MPDT (Maestro Post DatedOptional)
addendum records.
Service Code 1415 112/1 2n Valid values are:
30 Guaranteed
31 non-guaranteed
Guarantee 16 112/18 1a Contains Y or N for guarantee status of

transaction:
Guarantee Amount 1724 112/18 8n Contains the amount of the guarantee
in local currency; zero if no guarantee
Proposed 2530 112/18 6n MMDDYY of proposed settlement date
Settlement (expected date for completion
Date message arrival)
Original MDS 3136 112/18 6n MMDDYY; MDS Settlement date of
Settlement Date original preauthorization; contains
zeros for preauthorization message.
Original Switch 3745 112/18 9n Original switch serial number assigned
Serial Number by MDS to original pre-authorization
request; contains zeros on pre-
authorization message
Interchange Amount 4653 112/18 8n Interchange amount associated with
the completion message with
debit/credit indicator; two decimal
positions; contains zeros on pre-
authorization request
Interchange Amount 54 112/18 1a Indicates if the value is a Credit (C) or
Authorization Code 5560 112/18 6n The online authorization code
provided by the issuer on the original
pre-authorization request
2006 MasterCard
ISO DE#
Pre Auth or Completion 61 1a P Preauthorization
A Completion
Filler 62250 N/A 189 Spaces
Financial/Non-financial Maestro Installment Addendum Record Oct

2006
(MIST)Optional
Table 2.16Financial/Non-financial Maestro Installment Addendum (MIST)Optional
ISO DE#
Message Type 14 4a MIST (Maestro InstallmentOptional)
addendum records.
Service Code 1415 112/1 2n Valid values are:
40 for guaranteed
41 for non-guaranteed
Guarantee 16 112/19 1a Contains Y or N for guarantee status of

transaction.
Guarantee Amount 1724 112/19 8n Contains the amount of the guarantee
in local currency; zero if no guarantee
Number of Installments 2526 112/19 2n Number of requested installments
Number of 2728 112/19 2n Number in sequence of this
This Installment completion transaction; zero for
pre-authorization request
Date of First 2934 112/19 6n Contains zeros for completion
Installment messages
Format: MMDDYY
Original MDS 3540 112/19 6n MDS settlement date of original pre-
Transaction Date authorization request; contains zeros
on pre-authorization message
Format: MMDDYY
2006 MasterCard
ISO DE#
Original Switch 4149 112/19 9n Original switch serial number assigned
Serial Number by the MDS to original
pre-authorization request; contains
zeros on pre-authorization message
Interchange 5057 112/19 8n Interchange amount associated with
Amount completion message with debit/credit
indicator; contains zeros on pre-
authorization message; two decimal
position.
Interchange Amount 58 112/19 1a Indicates if the value is a Credit (C) or
Authorization Code 5964 112/19 6n Contains the online authorization code
provided by the issuer on the original
preauthorization request
Pre-Auth or Completion 65 1a P Preauthorization
A Completion
2006 MasterCard
Financial/Non-financial Additional Data Addendum Record Oct

(ADDR)Optional 2006
Table 2.17Financial/Non-financial Additional Data Addendum Record (ADDR)Optional
ISO DE#
Message Type 14 4a ADDR (Additional Data Record
Indicator Optional)
When created, this record follows the
corresponding FREC, NREC, or EREC
core records or any corresponding
FPST or EPST addendum records.
Currency Code, Currency 1416 N/A 3n From online message
Conversion Assessment
Implied Decimal, 17 N/A 1n From online message
Currency Conversion
Assessment
Amount, Currency 1829 111 12 n The amount calculated by the MDS
Conversion Assessment resulting from applying the Currency
Conversion Assessment to the
transaction.
Amount, Currency 30 N/A 1a Indicates if the value is a Credit (C) or
Conversion Assessment Debit (D) to the receiver.
DR/CR Indicator
Reserved for Future Use 3133 111 3n This field will always be populated
with 840.
Reserved for Future Use 34 1n This field will always be populated
with a 2.
Reserved for Future Use 3542 8 8n Zero-filled
Reserved for Future Use 43 N/A 1a This field will always be populated
with a D.
2006 MasterCard
Financial/Non-financial Exception Record (EREC)Required Oct

2006
Table 2.18Financial/Non-financial Exception Record (EREC)Required
ISO DE#
Message Type 14 4a An Exception Record (EREC) is created
Indicator when a reversal adjustment,
chargeback, or representment record is
received
Switch Serial Number 513 63/3 9n From original online message
ProcessorAcquirer or 14 1a A or I, identifies type of processor
Issuer listed in processor ID in the Header
Record.
A acquirer
I issuer
Processor ID 1518 N/A 4n The MDS populates this field with the
acquirer or issuer processor ID.
If the receiver of the file is the acquirer
in the transaction, the four positions of
the Processor ID field will contain the
issuer processor ID (not found in the
ISO online message unless the
processor requests it.)
The issuer processor ID appears in the
last four positions of DE 100 in the ISO
online message.
If the receiver of the file is the issuer
of the transaction, the four position
Processor ID field will contain the
acquirer processor ID.
The acquirer processor ID appears in
the last four positions of DE 33 in the
ISO online message or as a processor
option.
Transaction Date 1924 13 6n Original local date from acquirer;
Format: MMDDYY
Transaction Time 2530 12 6n Original local time from acquirer;
Format: HHMMSS
Primary Account 3132 2n Length of significant number of PAN
Number (PAN-) Length digits
PAN 3351 2 19 an From online message. Left justified,
Blank filled
2006 MasterCard
ISO DE#
Processing Code 5257 3 6n From online message
Trace Number 5863 11 6n From online message
Merchant Type (MCC) 6467 18 4n From online message
POS Entry 6870 22 3n From original online message
Reference Number 7182 37 12 an From online message
Acquirer 8392 32 10 n From online message. The ISO 8583
Institution ID institution ID is preceded by the
number 1 because the ISO DE 32 is
9-digits long and the bulk file field is
10 digits long.
Terminal ID 93102 41 10 an From online message. Left justified,
blank-filled
Response Code 103104 39 2n From online message
Product Code 105107 63/1 3 an From online message. Includes
product code and interchange type
Advice Reason Code 108114 60 7 an From exception online 0420/0220
message
ISIS Agreement Code 115118 N/A 4 an If present, represents in which
currency the transaction will be settled
(DE 50)
Authorization ID 119124 38 6 an From online message when available
or zeros
Currency Code - 125127 49 3n From online message
Transaction
Implied Decimal - 128 N/A 1n Implied decimal of Currency Code
Transaction Transaction
Completed Amt 129140 4 12 n From original online message. In
Trans - Local currency of DE 49. When an
0220/0230 or 04XX message pair
follow the original transaction, the
value used is that from DE 95, position
112 of the ISO 8583 message.
Completed Amount 141 N/A 1a Indicates if the value is a Credit (C) or
TransactionLocal Debit (D) to the receiver.
DR/CR Indicator
Cash Back Amt 142153 54/5 12 n From original online message. In
- Local currency of DE 49
2006 MasterCard
ISO DE#
Cash Back Amount 154 N/A 1a Indicates if the value is a Credit (C) or
Local DR/CR Indicator Debit (D) to the receiver.
Access FeeLocal 155162 28 8n From online message. In currency of
DE 49
Access FeeLocal 163 28 1a Indicates if the value is a Credit (C) or
Settlement
Implied Decimal 167 N/A 1n Implied decimal of Currency Code
Settlement Settlement (DE 50)
Conversion Rate 168175 9 8n This rate is the reciprocal of the online
Settlement rate. The online rate is represented as
settlement units/local while this rate is
represented as local units to
settlement.
Completed Amt 176187 5 12 n Original Completed amount in
Settlement settlement currency of DE 50
Completed Amt 188 N/A 1a Indicates if the value is a Credit (C) or
Settlement DR/CR Debit (D) to the receiver.
Indicator
Interchange Fee 189198 N/A 10 n Will be same currency as DE 50
Interchange Fee DR/CR 199 N/A 1a Indicates if the value is a Credit (C) or
Indicator Debit (D) to the receiver.
New Advice Reason 200206 60 7 an From exception online 0420/0220
Code message
Replacement Amount 207218 95/1 12 n From 0420/0220 online message. In
Local currency of DE 49
Replacement Amount 219 N/A 1a Indicates if the value is a Credit (C) or
Local DR/CR Indicator Debit (D) to the receiver.
Oct
Replacement Amt 220231 95 12 n From 0420/0220 online message. In 2006
Settlement currency of DE 50
Replacement Amount 232 N/A 1a Indicates if the value is a Credit (C) or
Indicator
Original Settlement Date 233238 N/A 6n Formatted as MMDDYY. The MDS
retrieves the month and day from
batch processing and adds the year.
2006 MasterCard
ISO DE#
Positive ID 239 N/A 1n Valid values are:
Indicator 0 Not Supported
1 Positive ID is in the issuers online
message and the FIT value is
greater than zero.
message and the FIT value is equal
to zero.
online message and the FIT value
is greater than zero.
is equal to zero.
Future Service Filler 240 N/A 1a Space
Cross Border 241 126 1a Valid values are:
Indicator Y Transaction qualifies as a cross
border transaction.
N Transaction does not qualify as
cross border transaction.
Cross Border 242 126 1a Valid values are:
Currency Indicator X Transaction does not qualify as
Y Transaction was submitted in the
currency of the country where the
merchant or ATM is located
N Transaction was not submitted in
the currency of the country where
the merchant or ATM is located
ISA Fee 243 110 1a Fixed Length International Fee (ISA)
Indicator Indicator. Valid values are:
0 No international fee
1 International fee debited
2 International fee credited
2006 MasterCard
Financial/Non-financial Exception Record (EPST)Optional Oct

2006
Table 2.19Financial/Non-financial Exception Posting Record (EPST)Optional
ISO DE#
Message Type 14 4a EPST (Exception Posting Record
Indicator Optional)

POS Data 1424 61 11 an From original online message
Card-Issuer 2534 58 10 n From original online message. The
Institution ISO 8583 institution ID is preceded by
a 1 because the ISO DE 32 is 9-digits.
Account 1 Length 3536 N/A 2n
Account 1 From 3755 102 19 an From online message; left justified,
zero filled.
Account 2 Length 6566 N/A 2n
Account 2 To 6785 103 19 an From online message; left justified,
zero filled.
Filler 8694 N/A 9 an From online message
Card Acceptor 95116 43 22 ans From online message
Name/Address
Card Acceptor City 117132 43 16 ans From online message
Card Acceptor State 133135 43 3 ans From online message
or Country Code
Stand-In Transaction 136 1a Stand-In (from original financial
transaction). Valid value are:
Y Yes
N No
Adjustment Date 137142 N/A 6n MDS Date;
Format: MMDDYY
Adjustment Time 143148 N/A 6n MDS Time;
Format: HHMMSS
Adjusted AmtLocal 149160 N/A 12 n Generated from MDS internal
exception process. In the local
currency of the acquirer or source
location of the transaction (DE 49).
2006 MasterCard
ISO DE#
Adjusted AmtLocal 161 N/A 1a Indicates if the value is a Credit (C) or
Adjusted Amt 162173 N/A 12 n Generated from MDS internal
Settlement exception process. In currency the
acquirer or issuer has selected as their
settlement currency (DE 50).
Adjusted Amount 174 N/A 1a Indicates if the value is a Credit (C) or
Indicator
Positive ID Indicator 175 N/A 1n Valid values are:
0 Indicates not supported
message and the FIT value is
greater than zero.
message and the FIT value is equal
to zero.
is greater than zero.
is equal to zero.
Merchant ID 176190 42 15 an From online message
This field will only be present when
the Product type is NOT MD.
2006 MasterCard
Settlement Trailer Record (STRL)Required Oct

2006
Table 2.20Settlement Trailer Record (STRL)Required
ISO DE#
Message Type 14 N/A 4a STRL (Settlement Trailer)
Indicator Used to reflect the settlement position
at a processor level by settlement
currency.
Settlement Service 57 N/A 3n MDS Assigned Settlement Indicator
Number
Intra-currency 811 N/A 4 an Reserved for future use.
Agreement Number
Currency Code 1214 50 3n Settlement Currency Code
Settlement There will be a separate STRL for each
currency represented in the transaction
file.
Implied Decimal 15 N/A 1n Implied decimal of local settlement
Settlement currency DE 50
ProcessorAcquirer 16 N/A 1a Acquirer, Issuer, or Net identifies
or Issuer settlement position of the processor
listed in the processor ID in the
Header Record. Each file will contain
one of the following Settlement Trailer
Record combinations:
Acquirer and Net (A & N)
Issuer and Net (I & N)
Acquirer, issuer, and Net (A, I, &
N)
The N indicator in the record denotes
that this is the Net settlement to the
processor. The Net Settlement Trailer
record represents the Net amount that
is settled to the member. The Net
record contains the final settlement
amount only.
Filler 1726 N/A 10 an Reserved for future use.
2006 MasterCard
ISO DE#
Total Debit Amount 2740 N/A 14 n Calculated in batch processing. The
Settlement sum of all FREC debit records. Debit
records contain a D in the settlement
indicator field.
The totals reported for the acquirer are
presented in the true settlement
position for the transactions (debits to
issuers will be credits to acquirers.)
Number of Debit Items 4148 N/A 8n Calculated in batch processing. The
number of FREC debit records.
The number of debits will not be
incremented for transactions when the
Code are equal to 40 (Transfer).
Total Credit Amount 4962 N/A 14 n Calculated in batch processing. The
Settlement sum of all FREC credit records. Credit
records contain a C in the settlement
indicator field.
position for the transactions (debits to
issuers will be credits to acquirers.)
Number of Credit Items 6370 N/A 8n Calculated in batch processing. The
number of FREC credit records.
The number of credits will not be
incremented for transactions when the
Code are equal to 40 (Transfer).
Total Reversal Debit 7184 N/A 14 n Calculated in batch processing. The
Amount sum of all EREC debit records. Debit
records contain a D in the settlement
indicator field.
position for the transactions. Debits to
issuers will be credits to acquirers.
Number of Debit 8592 N/A 8n Calculated in batch processing. The
Reversals number of EREC debit records.
2006 MasterCard
ISO DE#
Total Reversal 93106 N/A 14 n Calculated in batch processing. The
Credit Amount sum of all credit EREC records. Credit
records contain a C in the settlement
indicator field.
position for the transactions. Debits to
issuers will be credits to acquirers.
Number of 107114 N/A 8n Calculated in batch processing. The
Credit Reversals number of EREC credit records.
Number of 115122 N/A 8n Calculated in batch processing. The
Non-financial number of non-financial NREC records.
Non-financial records are transaction
where no card settlement value is
interchanged through the MDS. These
include balance inquiries, funds
transfers, denials, and electronic
commerce certificate requests.
Total Interchange 123134 N/A 12 n Calculated in batch processing. The
Fees - Debits sums of all debit interchange from
FREC, NREC, and EREC records. Debit
records contain a D in the interchange
indicator field.
Total Interchange 135146 N/A 12 n Calculated in batch processing. The
Fees - Credits sums of all credit interchange from
FREC, NREC, and EREC records. Credit
records contain a C in the interchange
indicator field.
Oct
2006
Future Use
Reserved for 150 N/A 1n This field is populated with a 2.
Future Use
Reserved for 151162 N/A 12 n Zero filled.
Future Use
Reserved for 163 N/A 1a This field is populated with a D.
Future Use
Total Net Settlement 164177 N/A 14 n Processor Settlement position
Total Net Settlement 178 N/A 1a Indicates if the value is a Credit (C) or
2006 MasterCard
Interchange Compliance Issuer Detail Adjustment Record (INTC) Oct

2006
Required
Table 2.21Interchange Compliance Issuer Detail Adjustment Record (INTC)Required
ISO DE#
Message Type 14 N/A 4a INTC (Interchange Compliance Record)
Indicator Created when a file is received from
GCMS.
Acceptance 57 N/A 3 ans Identifies the acceptance brand or
Brand ID financial network to which a
transaction belongs
Business Service 8 N/A 1 ans The Business Service Arrangement
Arrangement Type Type assigned to the transaction in
GCMS.
Business 914 N/A 6 ans The Business Service ID assigned to
Service ID the transaction in GCMS.
Interchange 1516 N/A 2 an The IRD that was originally submitted
Rate Designator and processed through GCMS
Business Date 1722 N/A 6n The clearing systems processing date
expressed in the local time zone of the
clearing systems processing center.
Format: YYMMDD
Business Cycle 2324 N/A 2n A two-digit numeric subfield which
represents the clearing cycle.
Member ID 2535 N/A 11 n The issuers MasterCard member
identification number
PANPrimary 3651 N/A 16 n Received in the GCMS record sent.
Account Number
Amount Transaction 5566 N/A 9(10)v99 n Transaction amount submitted by the
(Clearing) acquirer in the first presentment
message
Revised Interchange 6774 N/A 9(6)v99 n Interchange fee amount after
Fee Amount adjustment by the interchange
compliance process.
Revised Interchange Rate 7576 N/A 2 an Interchange rate designator to which
Designator the transaction was adjusted by the
interchange compliance process.
2006 MasterCard
ISO DE#
Banknet Reference 7785 N/A 9 an Assigned by the MasterCard
Number (BRN) Authorization System at the acquirer
MIP
Banknet Date 8689 N/A 4n Date of the transmission from the
authorization log.
Format: MMDD
MM=MONTH, DD=DAY
Oct
File Trailer Record (FTRL)Required 2006
Table 2.22File Trailer Record (FTRL)Required
ISO DE#
Message Type Indicator 14 N/A 4a FTLR (File Trailer Record)
Processor ID 514 10 n Same as file header record (FHDR)

Total Recon Count 1525 N/A 11 n Total number of all records including
file header record, addendums,
financial control records and file trailer.
Filler 26250 225 an Spaces
2006 MasterCard
Previous Batch Data File
Previous Batch Data File Oct

2006
This section provides record format and file structure for the batch data file
being replaced by the 250-byte batch data file. Members should be migrating
to the newer 250-byte batch data file structure.
MDS Record Formats

This section provides detail record layouts for the MDS Report Transmission
File and the MDS Transaction Detail File.
Table 2.23Report Transmission File Header Record Format
Description Attribute Comment

Message Type Indicator 4n 5200
Settlement Date 6n YYMMDD
Record Segment Size 3n Transmit Record Size
Total Record Size 3n Logical Record Size
File Type 1 an C Certification File
P Production File
Filler 116 an Blank Fill
Total 133
Table 2.24Report Transmission File Detail Record Format

Print Control Character 1 an Position 1 contains a carriage control
character:
blank space 1 line
1 skip to new page
0 space 2 lines
- space 3 lines
Report Line Data 132 an The first line of the reports will
always include positions 1 through 4
printed as SWCH. A processor uses
this field to key in from generating
reports or microfiche.
Total 133
2006 MasterCard
File Structure
The following pages provide details about the records contained in the batch
data file being replaced.
File Header RecordRequired

The File Header (5200) Record will provide the processor with the following
information:
Settlement date
Processor ID
Record segment size (which represents the record size of the transmission
file to the processor)
Financial/Non-financial and Exception Item Record

The Financial/Non-financial (5220) Record and Exception Item (5240) Record
contain information sufficient to marry a transaction (for example, the
individuals account number, the amount requested in the transaction, and the
settlement date). When an advice or reversal message (full or partial) follows
the original authorization request and approval, the MDS updates the original
5220 record to reflect the adjusted values. Therefore, a single 5220 record
appears in the bulk file rather than in two 5220 records. The MDS generates a
5240 record because of an adjustment, chargeback, or representment.
2006 MasterCard
File Options
Table 2.25 lists the available file options.
Table 2.25File Options
Option Description
Transaction Posting Used by Authorization Request/01xx
processors only
Contains four 80-character segments for
every transaction
Five 80-character segments for every
exception transaction
Dynamic Transaction Validation Used by Financial Transactions/02xx
processors that perform logging functions
that capture all online message contents
Contains one 80-character segment for each
completed transaction
Two 80-character segments for each suspect
and international transaction
Transaction Reconciliation Used by Financial Transactions/02xx
processors that perform logging functions
that capture minimum online message
contents
Contains two 80-character segments for
every completed transaction
2006 MasterCard
File Control RecordRequired

The File Control Record represents the count and dollar total (batch totals) of
all entries (total debit and total credit) contained in the file.
Settlement RecordRequired
The Settlement Record represents the count and dollar totals that are sent daily
to the processor to settle on the transaction date indicated in the record.
File Update RecordOptional (FIT File)

The File Update Record contains product and processor routing information of
prefixes loaded at the MDS for routing. These records are available to
processors on a weekly (every Thursday evening) or daily basis.
Full File Replacement

The full file update record transmission contains existing prefixes as well as
any additional prefixes added, deleted, and modified since the previous
transmission. This is a full file replacement.
File Update Versions

There are two versions of the File Update Record available. The first version
of the file contains the country code information for each prefix; the second
version does not contain the country code information. U.S. acquirers that
assess ATM access charges must use the first (and preferred) version of the file.
Note Processors implementing new connection to the MDS must use the File Update
Record version that contains the country code information.
2006 MasterCard
Sequence of Transmission File

Financial/Non-financial Records and Exception Records appear in the file as
records for the particular settlement date.
Table 2.26Transmission without Transactions
Description Segments
File Header Record
File Control Record
Settlement Record 1 of 2 (acquirer)
Settlement Record 1 of 2 (issuer)
Note Processors will not receive the issuer and acquirer settlement record in a specific
order.
Table 2.27Sample Transmission using Dynamic Transaction Validation
File Header Record
Transaction Validation Record 1 of 1
Reconciliation Record 1 of 2
Exception Record 1 of 5
2006 MasterCard
File Control Record
File Update Records (optional)
Table 2.28Sample Transmission using Transaction Reconciliation
File Header Record
2006 MasterCard
File Control Record
Table 2.29Sample Transmission using Transaction Posting
File Header Record
Posting Record 1 of 4
File Control Record
2006 MasterCard
MDS Codes
The following tables list responses, processing, and completion codes.
Members use the EX9.2 values to translate and interpret auto reconciliation
files.
Response Codes
The following table (Table 2.30Response Codes) provides a list of response
codes that the MDS uses.
Table 2.30Response Codes
EX9.2 Codes ISO Codes Description

01 00 Transaction Approved
00 Required Value
01 Refer to Card Issuer
05 Decline (For MDS Use Only)
10 Partial Approval
25 Unable to Locate Card on File (no action taken)
27 File Maintenance Error
11 30 Format Error
12 12 Invalid Transaction (For MDS use only)
14 14 Invalid Cardholder Number
31 92 Invalid Acquirer, Unable to Route Transaction
40 Requested Function Not Supported
41 41 Lost Card
43 43 Stolen Card
51 51 Insufficient Funds
54 54 Expired Card
55 55 Invalid PIN, Allow Customer Retry
2006 MasterCard
EX9.2 Codes ISO Codes Description

56 78 Cardholder Not on File
57 57 Invalid Transaction Selection, Transaction not
Permitted to Issuer or Cardholder
58 Invalid Transaction Selection, Transaction not
Permitted to Acquirer or Cardholder
61 61 Exceeds Withdrawal Limits
62 62 Restricted Card
63 Error in Decryption of PIN Block
65 Exceeds Withdrawal Count Limits
68 Response Received Late
67 04 Capture Card
71 Message Out of Exception Cycle Sequence
72 Exception Cycle Time Expired; for example,
chargeback more than 45 days after presentment
75 75 PIN Tries Exceeded
76 Invalid To Account Specified
77 Invalid From Account Specified
76 13 Invalid Interchange Amount
77 79 Key exchange Validation Failed
77 05 Do Not Honor
78 00 Account 1 PositiveAccount 2 Positive
79 00 Account 1 PositiveAccount 2 Negative
80 00 Account 1 NegativeAccount 2 Positive
81 00 Account 1 NegativeAccount 2 Negative
82 96 Unable to Process, System Error
83 80 ATM Processor Inoperative
85 Valid for AVS Requests Only
91 91 Cardholder Processor Inoperative, Destination
Processor (CPS or INF) not Available
94 Duplicate Transaction Detected
92 15 Cardholder Processor Not Found
2006 MasterCard
Processing Codes
The following table (Table 2.31Processing Codes) provides a list of
processing codes that the MDS uses.
Table 2.31Processing Codes
Oct
Ex9.2 Codes ISO Codes Description 2006
0010 001000 PurchaseSavings
Oct
0020 002000 PurchaseChecking 2006
0040 000000 PurchaseNo Account Specified

0110 011000 WithdrawalSavings
0120 012000 WithdrawalChecking
0130 013000 WithdrawalCredit
0140 010000 WithdrawalNo Account Specified
1140 Scrip transactionNo Account Specified
2010 201000 POS Online RefundSavings
2020 202000 POS Online RefundChecking
2040 200000 POS Online RefundNo Account Specified
2110 210010 ATM DepositSavings
2120 210020 ATM DepositChecking
300000 Balance InquiryNo Account Specified
2310 231000 Credit AdjustmentSavings
2320 232000 Credit AdjustmentChecking
2340 230000 Credit AdjustmentNo Account Specified
2810 280010 PaymentSavings
2820 280020 PaymentChecking
2830 280030 PaymentCredit
2840 280000 PaymentNo Account Specified
4011 401100 TransferSavings to Savings
4012 401020 TransferSavings to Checking
4021 402010 TransferChecking to Savings
4022 402200 TransferChecking to Checking
4031 403100 TransferCredit to Savings
2006 MasterCard
Oct
Ex9.2 Codes ISO Codes Description 2006
4032 403200 TransferCredit to Checking Oct
2006
5010 501000 Bill PaymentSavings
5020 502000 Bill PaymentChecking
5030 503000 Bill PaymentCredit
5040 500000 Bill PaymentNo Account Specified
5110 001000 Cash BackSavings
5120 002000 Cash BackChecking
5130 003000 Cash BackCredit
5140 000000 Cash BackNo Account Specified
9010 901000 Electronic CommerceSavings, Certificate
Request
9020 902000 Electronic CommerceChecking, Certificate
Request
9030 903000 Electronic CommerceCredit, Certificate Request
9040 900000 Electronic CommerceNo Account Specified,
Certificate Request
9510 301000 Balance InquirySavings
9520 302000 Balance InquiryChecking
9530 303000 Balance InquiryCredit
2006 MasterCard
Completion Codes
The MDS displays the completion code as a five-position value.
Completion Code Position Status
The following table (Table 2.32Completion Codes) provides a list of

completion code position statuses.
Table 2.32Completion Codes
Position Status Value

First position Completion Status 0 Completed as requested
1 Not completed as requested
Second and Transaction Status See Completion Code Values.
Third Position
Fourth Position Card Status 0 Card Returned
1 Card Captured
Fifth Position Additional 0 Online
Information 1 From store-and-forward
2 Possible Duplicate Transmission
4 Transaction Adjusted
Completion Code Values
The following table (Table 2.33Completion Code Values) provides a list of

completion code values.
Table 2.33Completion Code Values
EX9.2 ISO (DE 60) Description

00 0000 Completed as requested
10 4510010 Partial Dispense: Card returned
4511010 Partial Dispense: Card retained
11 4500011 Zero Dispense: Card returned; no receipt issued
4501011 Zero Dispense: Card retained; no receipt issued
18 4500018 Zero Dispense: Card returned; ATM failure
4501018 Zero Dispense: Card retained; ATM failure
19 4500019 Zero Dispense: Card returned; ATM timeout
4501019 Zero Dispense: Card retained; ATM timeout
2006 MasterCard
EX9.2 ISO (DE 60) Description

40 4500041 Zero Dispense: Card returned; cardholder timeout
4501040 Zero Dispense: Card retained; cardholder timeout
41 4530040 Financial Transaction Cancellation: Card returned
4531041 Financial Transaction Cancellation: Card retained
80 4020090 Network Advice: IPS timeout error
90 4550090 APS timeout: Card returned
4551090 APS timeout: Card retained
91 -- N/A
92 -- N/A
93 -- N/A
99 -- N/A
Batch Message Formats
File Header Record
Table 2.34File Header Record

Settlement Date 6n YYMMDD
Processor ID 10 n Same as 10-digit NCID from online
message
Record Size 3n 080
File Type 1 an C Certification File
P Production File
Total 80
2006 MasterCard
Financial/Non-financial (5220) Record
Table 2.35Financial/Non-financial (5220) Record, Segment No. 1
ISO 8583
Description Attribute /Subfield Comment
Message Type 4n 5220
Indicator
Segment No. 1n 1
Total No. of 1n Number of segments associated with this transaction:
Segments Equals 1 Dynamic Transaction Validation Record Format
2 Transaction Reconciliation Record Format
4 Transaction Posting Record Format
Processoracquirer 1a A or I identifies type of processor listed in processor
or issuer ID in Header Record 5200
Processor ID 3n 33 The MDS populates this field with the acquirer or
issuer processor ID.
If receiver of the file is the acquirer in the
transaction, the last three positions of element 4
will contain the issuer processor ID (not found in
the ISO online message).
If receiver of the file is the issuer in the
will contain the acquirer processor ID.
The acquirer processor ID appears in the last
three positions of DE 33 in the ISO online
message.
Transaction Date 6n 13 Local date and time from acquirer
Format is: MMDDYY
Transaction Time 6n 12 Local date and time from acquirer
Format is: HHMMSS
PAN 19 n 2 Primary Account Number. From online message
Processing Code 4n 3
Amount Settlement 8n 4/5
Trace Number 6n 11 From online message
2006 MasterCard
ISO 8583
Acquirer Institution 10 n 32 From online message
ID The ISO 8583 institution ID is preceded by a 1
because the ISO DE 32 is 9 digits long and the
bulk file field is 10 digits long
Terminal ID 10 an 41
Total 80
ISO 8583
Indicator
Segment No. 1n 2
Total No. of 1n Number of segments associated with this transaction:

Segments Equals 2 Transaction Reconciliation Record Format
Response Code 15 an 39 For Stand-In transactions, positions 58 contain STND
Oct
Completion Code 10 an 60 From online message 2006
Currency Code 3 an 49 From online message
Transaction
Conversion RateAcq. 8n 9 From online message
Completed Trans Amt 12 n 4 From online message
Local When an 0220/0230 or 04XX message pair follow
the original transaction, the value used is that
from DE 95, positions 112 of the ISO 8583
message
ATM Access FeeUSD 5 an 28 From online message
Interchange Fee 8 an N/A Calculated in the Batch Fee Matrix File
Can be either U.S. dollars or local currency (ISIS)
Oct
Filler 5 an N/A Blank fill. 2006
2006 MasterCard
ISO 8583
Product Code 3 an 63/1 From online message
Filler 5 an Cash Back Amount
MasterCard will only populate the last five positions
of the Cash Back amount.
Total 80
ISO 8583
Segment No. 1n 3
Total No. of Segments 1n Number of segments associated with this transaction

Equals 4 Transaction Posting Record Format
Currency Code 3 an
Conversion Rate 8n
Condition Code 3n N/A
Reference Number 12 an 37 From online message
Card-Issuer Institution 10 n N/A From internal process by the MDS
Account 1 From 19 n 102 From online message
Account 2 To 19 n 103 From online message
Total 80
Description Attribute ISO 8583 Comment

/Subfield
Segment No. 1n 4
Total No. of Segments 1n Number of segments associated with this

Equals transaction
Merchant Type (MCC) 4n 18 From online message
2006 MasterCard
Description Attribute ISO 8583 Comment

/Subfield
Acq. Institution Name 41 an 43 From online message
Acq. City/State or 19 an 43 From online message
Country
Switch Serial Number 9 an 63/2 From online message
Filler 1 an Blank fill
Total 80
Table 2.39Financial/Non-financial (5220) Record, Segment No. 5 (Dynamic)
ISO 8583
Message Type Indicator 4 an 5220
Segment No. 1n 5

Equals transaction
5
Merchant ID 15 an 42 From online message

Banknet Reference 9 an 63/4 From online message
Number
Acquirers Reference 23 an 63/5 From online message
Number (ARN)
Filler 26 an blank filled
Segment Format Type 1a M Debit MasterCard
Total 80
Table 2.40Financial/Non-financial (5220) Record, Segment No. 5 (Parcelas)
ISO 8583
Segment No. 1n Relative segment number
2006 MasterCard
ISO 8583
Equals transaction:
2 Validation
3 Reconciliation
5 Posting note
Parcelas Identifier 2n 112 21 Value
Number of Installments 2n 112 Number of chosen installments

Installment Interest 12 n 112 Estimated installment amount with interest
Purchase Price with 12 n 112 Total amount of transactions with interest
Interest
Annual Interest Rate 4n 112 Annual interest rate
Filler 41 an N/A Reserved for future use
Parcelas Identifier 1a N/A P Parcelas
Total 80
Note Members that receive a two-segment auto reconciliation file and a 5220
addendum record will receive the addendum record segment in the format of a
segment 3. Members that receive a four-segment auto reconciliation file and a
5220 addendum record will receive the addendum record segment in the format
of a segment 5.
2006 MasterCard
Table 2.41Financial/Non-financial (5220) Record, Segment No. 5 for Maestro CDC
ISO 8583
Equals transaction
2 Validation
3 Reconciliation
5 Posting note
Parcelas Identifier 2n 112 Value = 20
Number of Installments 2n 112 Number of requested installments (from inquiry
requests)
Estimated Installment 9n 112 Estimated installment amount for number of
Amount installments chosen
Total Amount 12 n 112 Total to be repaid via installments
Annual Interest Rate 5n 112 Annual interest rate
Filler 43 an N/A Reserved for future use
CDC Identifier 1a N/A C CDC purchase
I CDC inquiry
Total 80
Airline Ticket Number and Additional Itinerary Data

MasterCard will provide the airline ticket number and additional itinerary
information in the daily batch auto-reconciliation file (80-byte format only).
MasterCard will maintain this data in a new record type 5220 segment that will
be generated after the financial 5220 segments. The layout of the new
segment follows:
2006 MasterCard
Table 2.42Financial/Non-financial (5220) Record, Airline Ticket Number Segment
ISO 8583
Equals
Passenger Name 25 an N/A Passenger name
Ticket Number 15 an 48 Ticket number
Travel Date 6n N/A Travel date in MMDDYY format
Carrier Code 2 an N/A Carrier code
Service Class 2 an N/A Service class
Stop Over Code 1 an N/A Stop over code
City of Origin 5 an N/A Origin city
City of Destination 5 an N/A Destination city
Spaces 12 an N/A Reserved
Airline Indicator 1 an N/A A Airline
Exception Transaction (5240) Record
Table 2.43Exception Transaction (5240) Record, Segment No. 1
ISO 8583
Segment No. 1n 1

Equals 5 Exception Transaction Posting Record Format
Processoracquirer or 1a A or I identifies type of processor listed in processor
issuer ID in Header Record 5200
Processor ID 3n 33 If receiver of the file is the acquirer in the
will contain the issuer processor ID.
If receiver of the file is the issuer in the
will contain the acquirer processor ID.
2006 MasterCard
ISO 8583
Reversal Date 6n 13 Format is: MMDDYY
Switch date and time of 0422 (acquirer) message.
Switch date and time of 0420 (issuer) message.
Reversal Time 6n 12 Format is: HHMMSS
Switch date and time of 0422 (acquirer) message.
Switch date and time of 0420 (issuer) message.
PAN 19 n 2 Primary Account Number. From online message
Processing Code 4n 3
Org Settlement Amt 8n 4/5
Trace Number 6n 11 From online message
Acq. Institution ID 10 n 32 From online message
Acquirer Institution ID: The ISO 8583 institution ID
is preceded by a 1 because the ISO DE 32 is 9
digits long and the bulk file field is 10 digits long.
Terminal ID 10 an 41 From online message
Total 80
2006 MasterCard
ISO 8583
Segment No. 1n 2

Equals transaction
5 Exception Transaction Posting Record Format
Response Code 15 an 39 For Stand-In transactions, positions 58 contain
STND
Oct
Completion Code 10 an 60 From online message 2006
For Debit MasterCard (MD) transactions:
Position 8 = Usage Code
Position 9 = Document Indicator
Position 10 = Future Use blank
For more information on Debit MasterCard
exception items refer to DE 60 in the MDS Online
Specifications manual.
Currency Code 3 an 49 From online message
Transaction
Conversion RateAcq. 8n 9 From online message
Org. Comp. Trans. 12 n 4 From online message
AmtLocal When an 0220/0230 or 04XX message pair
follow the original transaction, the value used
is that from DE 95, positions 112 of the ISO
8583 message.
ATM Access FeeUSD 5 an 28 From online message
Interchange Fee 8 an N/A Calculated in the Batch Fee Matrix File. Can be
either U.S. dollars or local currency (ISIS)
Oct
Filler 5 an N/A Blank fill 2006
Product Code 3 an 63/1 From online message
Total 80
2006 MasterCard
ISO 8583
Segment No. 1n 3

Equals transaction
Reversal Reason Code 2n N/A From online message
New Completed Amount- 12 n 95 From online message
Local
Amount Settlement 8n 95 From online message
Reversal Amount 10 n N/A From online message
Reversal Amount 1 an N/A C or D denotes net credit or debit amount from the
Credit/Debit Indicator issuers settlement position.
Original Switch Serial No. 9n 63/3
Original Reconciliation 6n 90/3 MMDDYY
Date The MDS retrieves the month and day from the
online message. The MDS adds the year value.
Original Transaction Date 6n 13
Original Transaction Time 6n 90
Original Acq. Processor 3n 90/5 The last three positions of subfield 5 are used.
Original Iss. Processor 3n N/A This value does not appear in ISO 8583 messages.
Filler 8 an Filler
Total 80
2006 MasterCard
ISO 8583
Indicator
Segment No. 1n 4

Equals 5 Exception Transaction Posting Record Format
Currency Code 3 an N/A From online message
Conversion Rate 8n 9 From online message
Condition Code 3n N/A From online message
Reference Number 12 an 37 From online message
Card-Issuing 10 n N/A From online message
Institution
Account 1 19 n 102 of From online message
original
transaction
ISIS Reversal Amount 12 n N/A From online message
Reversal Credit/Debit 1 an N/A C or D; credit or debit from issuers perspective

Total 80
2006 MasterCard
ISO 8583
Indicator
Segment No. 1n 5

transaction
Merchant Type (MCC) 4n 18 of original From online message
transaction
Acq. Institution Name 41 an 43 of original From online message
transaction
Acq. City/State or 19 an 43 of original From online message
Country transaction
New Switch Serial 9n N/A From online message
Number
Total 80
2006 MasterCard
File Control (5499) Record
Table 2.48File Control (5499) Record

Processor ID 3n
Total Debit Amount 11 n Calculated in batch processing
The sum of all debit 5220 records in the batch
file. Debit records contain processing codes
that result in a debit to the cardholders
account.
A transaction with a zero settlement (full
reversal of an ATM withdrawal) is treated as a
debit record.
Number of Debit Items 6n Calculated in batch processing
The number of debit 5220 records in the batch
file
Total Credit Amount 11 n Calculated in batch processing
The sum of all credit 5220 records in the batch
file
Credit records contain processing codes that
result in a credit to the cardholders account.
Number of Credit Items 6n Calculated in batch processing
file
Reversal Debit Amount 10 n Calculated in batch processing
The sum of all debit 5420 records in the batch
file
Debit records contain processing codes that
result in a debit to the cardholders account.
Number of Debit Reversals 6n Calculated in batch processing
file
Reversal Credit Amount 10 n Calculated in batch processing
The sum of all credit 5240 records in the batch
file
Credit records contain processing codes that
result in a credit to the cardholders account.
2006 MasterCard

Number of Credit Reversals 6n Calculated in batch processing
The number of credit 5240 records in the
batch file
Number of Non-financial 6n Calculated in batch processing
The number of non-financial 5220 records in
the batch file. Non-financial records contain
processing codes that result in neither a credit
or debit to the cardholders account. These
include balance inquiries, funds transfers, and
electronic commerce certificate requests.
Total 80
Settlement (5500) Record
Table 2.49Settlement (5500) Record, Segment No. 1
ISO 8583
Description Attribute APS/IPS Comment
Message Type Indicator 4n N/A 5500
Segment No. 1n N/A 1
Total No. of Segments Equals 1n N/A Number of segments associated with this
transaction
2
ProcessorAcq. or issuer 1a N/A A or I
Transaction Time 6n 7 From online message

Total Debit Amount 11 n 88 From online message
Number of Debit Items 6n 76 From online message
Total Credit Amount 11 n 86 From online message
Number of Credit Items 6n 74 From online message
Filler 33 an N/A Blank Fill
Total 80
2006 MasterCard
Table 2.50Settlement (5500) Record, Segment No. 2
ISO 8583
Description Attribute APS/IPS Comment
Message Type Indicator 4n N/A 5500
Segment No. 1n N/A 2
Total No. of Segments Equals 1n N/A Number of segments associated with this
transaction
2
Reversal Debit Amount 10 n 89 From online message
Number of Debit Reversals 6n 77 From online message
Reversal Credit Amount 10 n 87 From online message
Number of Credit Reversals 6n 75 From online message
Net Interchange Amount 11 n 97 From online message
InterchangeCredit or Debit 1 an 97 C or D denotes net credit or debit amount from
the acquirers or issuers settlement position.
Filler 30 an N/A Blank Fill
Total 80
2006 MasterCard
80-byte FIT File with Country Code (5300) Record
Note All U.S. processors and new processor connections must use this record. Each
record contains two BIN descriptions and country code. This is not available in
the 120 byte or 160 byte record formats. MasterCard will change all new
processors or any existing processors changing their bulk files to the 80-byte FIT
File with Country Code.
The MDS creates a condensed FIT file containing only the MasterCard,
Maestro, or Cirrus BIN records. In some cases, a FIT record for these
programs will have the PLUS or Visa product activated. MasterCard does not
support the FIT File with Country Code (5300) Record in the 120-byte or
160-byte record formats.
Warning MasterCard does not supply PLUS/Visa-only BIN records in this file. Members
that depend on the MDS to supply PLUS/Visa-only BIN records must make other
arrangements to receive this data.
Table 2.5180 Byte FIT File with Country Code (5300) Record

Message Type ID 4n 5300
Maintenance Function 1A R Replace
ID Length 2n
Identifier 11 n Prefix
Processor ID 3n
PAN Length 2n Not currently used, zero filled
Cirrus Flag 1n 0 N
1 Y
MasterCard Flag 1n 0 N
1 Y
PLUS Flag 1n 0 N
1 Y
Visa Flag 1n 0 N
1 Y
Maestro Flag 1n 0 N
1 Y
2006 MasterCard

Debit MasterCard Flag 1n 0 N
1 Y
Master Banking Flag 1 an Blank filled not used
Stand-In Flag 1n 0 N
1 Y
Country Code 3n If 840, no ATM access fees
allowed
American Express Flag 1n 0 N
1 Y
Mondex Flag 1n 0 N
1 Y
Visa Cash Flag 1n 0 N
1 Y
Diners 1n 0 N
1 Y
Discover 1n 0 N
1 Y
MOPP 1n Blank filled not used
Filler 1 an Blanks
Maintenance Function 1A R Replace
ID Length 2n
Identifier 11 n Prefix
Processor ID 3n
PAN Length 2n Not currently used, zero filled
Cirrus Flag 1n 0 N
1 Y
1 Y
PLUS Flag 1n 0 N
1 Y
VISA Flag 1n 0 N
1 Y
Maestro Flag 1n 0 N
1 Y
debit MasterCard Flag 1n 0 N
1 Y
2006 MasterCard

Master Banking Flag 1n 0 N
1 Y
Stand-In Flag 1n 0 N
1 Y
Country Code 3n If 840, no ATM access fees
allowed
American Express Flag 1n 0 N
1 Y
Mondex Flag 1n 0 N
1 Y
Visa Cash Flag 1n 0 N
1 Y
Diners 1n 0 N
1 Y
Discover 1n 0 N
1 Y
MOPP 1n Blank filled not used
Filler 1 an Blanks
Filler 2 an Blanks
Total 80
2006 MasterCard
80-byte FIT File without Country Code (5300) Record
Note Supported only for existing MDS processors.
The MDS creates a condensed FIT file containing only the MasterCard,
Maestro, or Cirrus BIN records. In some cases, a FIT record for Cirrus,
Maestro, and MasterCard programs will have the PLUS or Visa product
activated.
Warning MasterCard does not supply PLUS/Visa-only BIN records in this file. Members
that depend on the MDS to supply PLUS/Visa-only BIN records must make other
arrangements to receive this data.
Table 2.5280-byte FIT File without Country Code (5300) Record

Maintenance Function 1a R Replace
Identifier Length 2n
Identifier 11 n Prefix Value
Processor ID 3n
Cirrus Flag 1n 0 N
1 Y
1 Y
PLUS Flag 1n 0 N
1 Y
Visa Flag 1n 0 N
1 Y
Maestro Flag 1n 0 N
1 Y
debit MasterCard Flag 1n 0 N
1 Y
Master Banking 1 an Blank filled not used
Stand-In 1n 0 N
1 Y
2006 MasterCard

Processor ID 3n
Cirrus Flag 1n 0 N
1 Y
1 Y
PLUS Flag 1n 0 N
1 Y
Visa Flag 1n 0 N
1 Y
Maestro Flag 1n 0 N
1 Y
Debit MasterCard Flag 1n 0 N
1 Y
Master Banking 1 an Blank filled not used
Stand-In 1n 0 N
1 Y
Processor ID 3n
Cirrus Flag 1n 0 N
1 Y
1 Y
PLUS Flag 1n 0 N
1 Y
Visa Flag 1n 0 N
1 Y
Maestro Flag 1n 0 N
1 Y
debit MasterCard 1n 0 N
1 Y
Master Banking 1 an Blank filled, not used
2006 MasterCard
Batch FIT Data Formats/80-byte Record Size

Stand-In 1n 0 N
1 Y
Total 80

This documentation describes the data elements and file layout used to create
a batch Financial Institution Table (FIT) data file from the online database.
These FIT data files can be sent to members for full FIT file loads and
additional product information.
Two FIT Data Files are available for members to receive. The Full FIT Data
File contain all fields present in the online FIT record. The Full FIT Data File
also includes Visa only, PLUS only, or Visa/PLUS BIN records. The
Abbreviated FIT File contains all of the fields present in the online FIT record,
but it does not contain the Visa only, PLUS only or Visa/PLUS BIN records.
Members can receive the 80-byte FIT data file and the 250-byte Batch Data File
at the same time, or if they elect, they can receive only the FIT Data file prior
to receiving both the 250-byte Batch Data File and the FIT Data File.
Processors that process through the Banknet telecommunications network

receive the FIT Data Files as Full or Abbreviated 80-byte FIT files:
Production Bulk ID (T458)
Member Test Bulk ID (T459)
Note For Brazil only:

80 Byte FIT File:
Production BULK ID (T408)
Member Test Bulk ID (T409)
2006 MasterCard
FIT Header Record (FITH)Required Oct

2006
Table 2.53FIT Header Record (FITH)
ISO DE#
Message Type Indicator 14 N/A 4a FITH (FIT Header)
File Date 510 15 6n Format: MMDDYY

Record Size 1113 3n 080
File Type 14 N/A 1 an M Member Testing File

P Production File
Oct
Version 1524 N/A 10 an This field displays the current version 2006
number of the Batch Data File. The
value may increment with changes
implemented on a per-release basis.
FIT Data Records (FITD)Optional Oct

2006
Table 2.54FIT Data Record (FITD)Optional
ISO DE#
Message Type Indicator 14 N/A 4a FITD (FIT Data RecordOptional)
This file can be sent either daily or
weekly. Additionally, the file may
include all BINs or all BINs less PLUS
and Visa
ID Length 56 N/A 2n Valid values are from 0111
Identifier 717 N/A 11 an PrefixLeft Justified, right spaces
Issuer Processor ID 1821 N/A 4n MDS-assigned processor ID
PAN Primary Account 2223 N/A 2n If a prefix has multiple PAN lengths,
Number, Length then the file will contain a FITD for
each different length up to three.
Stand-In Flag 24 N/A 1 an Valid values are:
Y Yes
N No
Country Code 2527 N/A 3n If it is not equal to 840, no ATM access
fees are allowed
2006 MasterCard
ISO DE#
Region Code 2829 N/A 2n Valid values are:
01 United States
02 Canada
03 Latin America/Caribbean
04 Asia/Pacific
05 Europe
06 Middle East/Africa
Effective Date 3035 N/A 6n Format: YYMMDD
If effective type is C then this field will
contain the original date added to
FITD File.
Future use;
If effective type is A, then this field will
contain a future effective add date.
Processors must add this FITD on the
effective date.
If effective type is D, then this field will
contain a future delete date. Processors
must delete this FITD on the effective
date.
(A)dd and (D)elete dates will always
be > than the file header date.
Effective Type 36 N/A 1a C = Current Active FIT (All FITD
records contain a C at this time)
Future use:
A Add FIT
D Delete FIT
State Code 3738 N/A 2 an Used to identify the U.S. region state
associated with the issuer bank
identification number (BIN).
Filler 39 N/A 1 an Space
Cirrus Flag 40 N/A 1a Valid values are:
Y Yes
N No
MasterCard Flag 41 N/A 1a Valid values are:
Y Yes
N No
Maestro Flag 42 N/A 1a Valid values are:
Y Yes
N No
2006 MasterCard
ISO DE#
debit MasterCard Flag 43 N/A 1a Valid values are:
Y Yes
N No
PLUS Flag 44 N/A 1a Valid values are:
Y Yes
N No
Visa Flag 45 N/A 1a Valid values are:
Y Yes
N No
Future Product Flag 46 N/A 1 an Not currently used, blank filled
Future Product Filler 5255 N/A 4 an Not currently used, blank filled
MS-ISIS ICA 5661 N/A 6n Spaces (for Brazil Only)
ISIS ICA of Processors BIN
Positive ID Flag 62 N/A 1a (for Brazil Only)
Valid values are:
Y Yes
N No
Space = Default

Spaces
Post Dated Flag 65 N/A 1a Valid values are:
(for Brazil Only) Y Yes
N No
Space = Default
Installment Flag 66 N/A 1a Valid values are:

N No
Space = Default
2006 MasterCard
ISO DE#
Parcelas Flag 67 N/A 1a Valid values are:
N No
Space = Default
CDC Flag 68 N/A 1a Valid values are:

N No
Space = Default
Preferred Routing N/A 1a Valid values are:

Indicator (ATM) Y Yes
69 N No
Preferred Routing N/A 1a Valid values are:
Indicator (POS) Y Yes
70 N No
Future Service Filler 71 N/A 1a Space
Future Service Filler 7276 N/A 5 an Not currently used, blank filled
BIN Reference Number 7780 N/A 4n MDS Assigned Value
FIT Trailer Record (FITT)Required Oct

2006
Table 2.55FIT Trailer Record (FITT)Required
ISO DE#
Message Type Indicator 14 N/A 4a FITT (FIT Trailer Record)
Total Recon Count 515 N/A 11 n Total number of FIT file records
including the FIT header and FIT
trailer records.
2006 MasterCard
3 Reports
This chapter provides a description of the reports included in the MDS Report
Transmission File.
Overview .............................................................................................................3-1
Report Transmission .....................................................................................3-1
Settlement Reports...............................................................................................3-4
Daily Control ReportSWCHD363 ..............................................................3-5
Enhancements with this update: ............................................................3-6
Daily Control ReportSWCHD363ISIS Transactions ......................3-19
Daily Control ReportSWCHD363Institution Level
Transactions ..........................................................................................3-25
Daily Interchange ReportSWCHD412.....................................................3-29
Enhancements with this update: ..........................................................3-30
Daily Interchange ReportSWCHD412ISIS Transactions ...............3-38
Daily Interchange ReportSWCHD412Institution Level
Transactions ..........................................................................................3-42
Monthly Control ReportSWCHM363 .......................................................3-47
Monthly Interchange ReportSWCHM412................................................3-48
Debit MasterCard Inbound/Outbound Fee ReportSWCHD586-A .........3-49
Detail Activity Reports.......................................................................................3-55

Captured Card ReportSWCHD51Removed...........................................3-57
Exception Audit ReportSWCHD53..........................................................3-58
Detailed Suspect Items ReportSWCHD55...............................................3-67
Acquiring Processor and Cardholder Processor ..................................3-67
Transaction Audit ReportsSWCHD57 and SWCHD108..........................3-74
Acquiring Processor and Cardholder Processor ..................................3-79
Retrieval Request/Fulfillment ReportSWCHD118...................................3-83
Cardholder Processor............................................................................3-83
Account File UpdatesSWCHD141-1........................................................3-89
Account Management File UpdatesSWCHD141-2..................................3-93
Recurring Payment Cancellation ServiceSWCHD141-3..........................3-97
Maestro POS Transaction Audit ReportSWCHD144 .......................... 3-100
Negative File UpdatesSWCHD147-1 ..................................................... 3-105
VIP File UpdatesSWCHD147-2 .............................................................3-108
2006 MasterCard
Reports
Statistical Reports.............................................................................................3-112
Financial Institution Table Report (FIT)SWCHD15-X .......................... 3-114
FIT by Identifier and FIT by Processor..............................................3-114
Institution Definition File (IDF)SWCHD35........................................... 3-117
Daily Processing Summary ReportSWCHD61 ...................................... 3-119
Acquiring Processor and Card Processor........................................... 3-119
Monthly Availability ReportSWCHD73 ................................................. 3-125
Cirrus Network and Processor ...........................................................3-125
Daily Cardholder Performance ReportSWCHD127-1 ........................... 3-129
Cardholder Processor.......................................................................... 3-129
Daily Cardholder Performance Variance ReportSWCHD127-2............ 3-132
Cardholder Processor.......................................................................... 3-132
Maestro POS Daily Processing SummarySWCHD143 .......................... 3-134
Acquiring Processor and Cardholder Processor ................................ 3-134
Daily Processor Performance ReportSWCHD320-1 ............................. 3-140
Acquiring Processor and Issuing Processor....................................... 3-140
Processor Peak Performance ReportSWCHD321-1 .............................. 3-144
Processor Daily Summary Performance ReportSWCHD321-2 ............. 3-148
Transaction Interchange Month-to-DateSWCHM03 .............................3-151
Month-to-Date Processing Summary ReportSWCHM06.......................3-155
Month-to-Date Denial Summary ReportSWCHM07 ............................. 3-161
Issuer ................................................................................................... 3-161
ISIS Reports......................................................................................................3-164
Stand-In Reports ..............................................................................................3-166

Related Reports .........................................................................................3-166
Stand-In Transaction Audit ReportSWCHD149 .................................... 3-168
Processor Availability Reports......................................................................... 3-172

Daily Processor Up Time Report (Settlement Date)MS1100BB........... 3-174
Daily Processor Up Time Report (Calendar Date)MS1100DD............. 3-177
Monthly Processor Up Time Report MS1101AA .................................. 3-179
Month-to-Date ReportMS1101BB..........................................................3-181
2006 MasterCard
3-ii October 2006 MDS Settlement and Reports
Reports
Overview
Overview Oct
2006
The MDS produces transaction processing summary and detail reports for all
products the MDS supports. These reports assist CPS personnel in daily
settlement, reconciliation, system management, customer support functions,
and provide processor performance statistics.
Oct
Note All report data in this chapter is fictitious and does not reflect the activity of 2006
actual processors.
Report Transmission
Members can access MDS reports through two methods: Global File Transfer
or MasterCard eService. Members request reports in the form which best suits
their business. Refer to Table 3.2 and Table 3.3 for a list of MDS reports.
Table 3.1Report Transmission Timeframes
Transmission Timeframe
Communication line Monday through Sunday
Banknet in the T461 bulk files Monday through Saturday
All reports except the four Processor Availability reports are available through
Global File Transfer. The MDS transmits reports through Global File Transfer
to processors at the end of each settlement day
All reports except for SWCHD53, Exception Audit Report, are available through
the MasterCard OnLine eService product accessible through MasterCard
OnLine. Members with access to MasterCard OnLine can view the online
MDS reports using their billing ICA. The online reports are available for
viewing in eService for a period of 13 months from the original date of
publication.
The MDS presents all report data in ISO message format. This chapter lists ISO
data element numbers next to the field names
2006 MasterCard
Reports
Overview
The MDS generates the following reports for issuer and acquirer processing
systems.
Table 3.2MDS Daily Reports
Number Report Name Report Type

Oct
MS1100BB a Daily Processor Up Time Report (Settlement Date) Processor Availability 2006
MS1100DD a Daily Processor Up Time Report (Calendar Date) Processor Availability
MS1101BB a Month-to-Date Report Processor Availability
SWCHD15-X Financial Institution Table Report (FIT) Statistical
SWCHD35 Institution Definition File (IDF) Statistical
Oct
SWCHD53 c Exception Audit Report Detail Activity
2006
SWCHD55 Detailed Suspect Items Report Detail Activity
Oct
SWCHD57/ Transaction Audit Report (These reports are obsolete Detail Activity
2006
SWCHD108 but can be requested until April 2007)
SWCHD61 Daily Processing Summary Report Statistical

SWCHD73 b Monthly Availability Report Statistical
SWCHD118 Retrieval Request/Fulfillment Report Detail Activity
SWCHD127-1 Daily Cardholder Performance Report Statistical
SWCHD127-2 Daily Cardholder Performance Variance Report Statistical
SWCHD141-1 Account File Updates Detail Activity
SWCHD141-2 Account Management File Updates Detail Activity
SWCHD141-3 Recurring Payment Cancellation Service Detail Activity
Oct
SWCHD143 Maestro POS Daily Processing Summary Statistical 2006
SWCHD144 Maestro POS Transaction Audit Report Detail Activity
SWCHD147-1 Negative File Updates Detail Activity
SWCHD147-2 VIP File Updates Detail Activity
SWCHD149 Stand-In Transaction Audit Report Detail Activity (Stand-In)
SWCHD320-1 Daily Processor Performance Report Statistical
SWCHD321-1 Processor Peak Performance Report Statistical
SWCHD321-2 Processor Daily Summary Performance Report Statistical
SWCHD363 Daily Control Report Settlement
SWCHD412 Daily Interchange Report Settlement
2006 MasterCard
Reports
Overview

Oct
SWCHD586 Debit MasterCard Inbound/Outbound Fee Settlement 2006
a Processor Availability reports are not available through Global File Transfer.
b Reports produced daily with month-to-date totals
c SWCHD53 is not available via the MasterCard OnLine eService product.
Table 3.3MDS Monthly Reports

Oct
MS1101AA a Monthly Processor Up Time Report Processor Availability 2006
SWCHM03 b Transaction Interchange Month-to-Date Statistical
SWCHM06 b Month-to-Date Processing Summary Report Statistical
SWCHM07 b Month-to-Date Denial Summary Report Statistical
SWCHM363 Monthly Control Report Settlement
SWCHM412 Monthly Interchange Report Settlement
a Processor Availability reports are not available through Global File Transfer.
b Oct
Reports produced daily with month-to-date totals. 2006
2006 MasterCard
Reports
Settlement Reports
Settlement Reports
Oct
The MDS produces settlement reports daily to assist processors in reviewing 2006
and reconciling the exchange of funds that has occurred each day through the
MDS settlement process.
Table 3.4 lists the MDS Settlement reports name and purpose by report
number.
Table 3.4MDS Settlement Reports
Number Name Purpose

SWCHD363 Daily Control Report The MDS generates this report in the
acquirer or issuer processors
designated settlement currency to
validate the processors daily net
settlement position to the processors
settlement account.
SWCHM363 Monthly Control Report The MDS generates this report to
validate the processors monthly net
settlement position to the processors
settlement account.
SWCHD412 Daily Interchange Report This report assists members with the
reconciliation process by providing
enhanced fee reporting.
SWCHM412 Monthly Interchange Report This report assists members with the
reconciliation process by providing
enhanced fee reporting.
SWCHD586 Debit MasterCard Inbound/ Debit MasterCard processors can use
Outbound Fee this report to track and monitor
miscellaneous inbound and outbound
fees incurred through the submission
of various fee collection messages.
2006 MasterCard
Reports
Settlement Reports
Daily Control ReportSWCHD363

Purpose: The MDS generates this report in the acquirer or issuer
processors designated settlement currency to validate the
processors daily net settlement position to the processors
settlement account.
Description: This report provides summary detail in the designated

Oct
settlement currency of the acquirer or issuer processor. 2006
It is produced by transaction type within product type and

includes the following transaction information:
financial counts for approved and denied,
financial amount of transaction,
financial and non-financial counts and amounts for
interchange fee categories, and
counts and total amounts for exception items by product.
A Net Settlement Summary page lists the net settlement of

transactions, exception items and interchange fees separated
by debit, credit, and net for both the acquirer and the issuer.
It also provides a final combined net settlement disposition for
the Automated Clearing House System (ACH) and the Global
Clearing Management System (GCMS).
ISIS transactions are detailed on this report. The ISIS

Agreement Number and Settlement Service information are
included in the header to identify ISIS transaction information.
Pages break by currency type within processor, and then by
Routing and Transit number (Institution ID) within processor if
the processor participates in member level settlement.
This report is based upon activity. Therefore, if a transaction

type has 0 activity, it is not reported.
Refer to Table 3.5 for a description of the SWCHD363 report

fields.
Frequency: Daily
Availability: Available through Global File Transfer and eService on

MasterCard OnLine.
Note There is also a month-end version of this report (Monthly Control Report
SWCHM363).
2006 MasterCard
Reports
Settlement Reports
Enhancements with this update: Oct

2006
Effective with the MDS 06.3 Release, October 2006 the following
enhancements have been made to the SWCHD363 Daily Control report.
A separate line has been added to show cash disbursement transactions,
designated by processing code 17 which is entered in DE 3, (Processing
Code), subfield 1, (Cardholder Transaction Type). This new line displays
under the Debit MasterCard Auth, Debit MasterCard Clearing, and
Grand Totals columns.
A separate line has been added under the Debit MasterCard Auth column
for Healthcare eligibility transactions. This line displays for both Acquiring
and Issuing processors and lists the following totals:
Number Approved transactions
Number Denied transactions
Financial Total amount
Interchange Financial counts, (% Based, Non-Financials, non-billable)
Interchange Debit and Credit amounts
A separate Bin Number field has been added and appears under the
Report Heading information and to the right of the Institution ID field.
This new field contains the six-digit BIN and allows members the ability to
sort the report information by BIN, as well as processor ID and institution
ID.
For additional information on these three enhancements, refer to the MDS
Release 06.3 Document or contact your Customer Operations Services team
representative.
Table 3.5SWCHD363 Fields
Field Description
Header FieldsDisplay at the top of all pages of the report
PROCESSOR The processor name.
PROCESSOR ID The MDS assigned processor/member identification number.
INSTITUTION ID The Routing and Transit number for the institution. This field is included only
for processors that participate in member level settlement.
Oct
BIN NUMBER Six-digit number that allows members to sort the report number by a specific
2006
bank identification number.
2006 MasterCard
Reports
Settlement Reports
Field Description
SETTLEMENT SERVICE The Settlement Service agreed to by participating members. The Settlement
Service ID identifies a specific Settlement Service with a cutoff time agreed to
by a participating member.
Settlement Service IDs are listed below:
000 MDS Default
001 Brazil ISIS
002 MDS Debit MasterCard
Settlement Service cutoff times are determined by the Interchange Type, ISIS
Agreement Number, and the Product.
A service may be in U.S. dollars, local currency, or intra-currency.
This field is included only for ISIS activity detail.
ISIS AGREEMENT The MDS assigned ISIS Agreement number.
NUMBER This field is included only for ISIS activity detail.
CURRENCY The currency selected by the acquirer or issuer processor as the currency of
settlement. This field displays both the currency name and numeric code.
SETTLEMENT ICA The unique 6-digit number assigned by MasterCard that identifies a member or
processing endpoint for settlement.
Column HeadingsDisplay across the page, just below the Header fields for both acquirers and
issuers
TRANSACTION Transaction Type/Account Type designation. Transaction types with all zeros
DESCRIPTION are suppressed.
FINANCIAL The number of approved and denied transactions by Processing Code within
NUMBER APPROVED each product.
NUMBER DENIALS
FINANCIAL AMOUNT Total amount for cash withdrawals or purchases, or both, by Processing Code
TRANS within each product.
INTERCHANGE COUNTS Number of interchange fees debited or credited to a transaction.
NUMBER FINANCIAL Number of transactions with financial interchange fee.
NUMBER % BASED Number of transactions with percentage based interchange fee.
NUMBER NONFIN Number of transactions with non-financial interchange fee.
NUMBER NONBILL Number of non-billable transactions.
INTERCHANGE AMOUNTS The total amount for transaction interchange fees separated by debits and
DEBITS credits.
CREDITS
2006 MasterCard
Reports
Settlement Reports
Field Description
Total FieldsDisplay to the left of the page. All items under Column Headings total for these
headings
SUBTOTALS Totals by each product for all transaction types with activity. This total is by
financial and interchange categories (includes transaction counts, amounts,
and interchange counts and amounts).
EXCEPTION ITEMS Total counts and amounts of exception items processed by product, and the
counts and amounts of fees debited or credited to a transaction because of an
Exception Item. When the MDS reverses a transaction, it adjusts the full
amount of the interchange fee from the financial to the non-financial amount.
TOTALS Totals by each product for all transaction types with activity. This total is by
all Financial, Interchange, and exception item categories.
GRAND TOTALS Totals of all transactions by type for all products, financial counts and
amounts, and interchange counts and amounts.
SUBTOTALS Totals of all transactions for all products, financial counts and amounts, and
interchange counts and amounts.
EXCEPTION ITEMS Total number and amount of all exception items for all products, including
Interchange.
TOTAL Totals of all transactions including exception items.
Oct
Settlement FieldsDisplay to the left of the page of acquirer or issuer settlement information. 2006
Acquirer or issuer settlement information displays on a separate page of the report, but does not have a
separate page title.
FINANCIAL SETTLEMENT Total number and amount of financial transaction processed, separated into
debits and credits.
EXCEPTION ITEMS Total number and dollar amounts of exception items processed, separated
into debits and credits.
Separate totals for Same Day (Code 09) and Non-Same Day exception
items.
The MDS processes same day exception items online within the same
settlement window as the original transaction.
All exception items processed via NICS are included in Non-Same Day
exception item totals.
SETTLEMENT Total of Same Day and Non-Same Day exception items.
TOTAL FINANCIAL Total amount of Financial and exception item settlements.
SETTLEMENT
TOTALS FEES Total Net Fees associated with the transactions processed on the settlement
SETTLEMENT date.
INTERCHANGE Net result of the financial settlement, exception items, and total interchange
SETTLEMENT fee settlement.
2006 MasterCard
Reports
Settlement Reports
Field Description
ATM ACCESS CHARGE Total of all ATM Access Fees. For reporting purposes only. This amount is
included in the financial settlement.
SURCHARGE FREE Total of all ATM Surcharge Free Alliance Transactions. This information is
ALLIANCE only reported on the acquiring side of the transaction.
Net Settlement Summary HeadingsDisplay to the left of the Net Settlement Summary page
TOTAL CURRENCY Total of all Currency Conversion Assessments included in the financial
CONVERSION settlement.
ASSESSMENT
ACQUIRER SETTLEMENT Amounts for financial transactions, exception items, interchange fees,
SUMMARY combined total separated by debits and credits providing acquirer net amount.
When the net amount is a credit, the MDS displays a CR after the total.
ISSUER SETTLEMENT Amounts for financial transactions, exception items, interchange fees,
SUMMARY combined total separated by debits and credits providing the issuer net
amount. When the net amount is a credit, the MDS displays CR after the total.
NET SETTLEMENT Net total amount of all acquiring and issuing activity.
TOTAL
NET SETTLEMENT Amount of the combined settlement net totals from the Acquirers Settlement
(ACH) Summary and the Issuers Settlement Summary. The final net total of both
represents the ACH settlement position. When the net amount is a credit, the
MDS displays CR after the total.
NET SETTLEMENT Amount of the combined settlement net totals from the Acquirers Settlement
(GCMS) Summary and the Issuers Settlement Summary. These amounts represent the
GCMS settlement position.
GCMS HeadingsDisplay across the page, next to the Net Settlement (GCMS) heading at the
bottom of the Net Settlement Summary page.
NETACQ Amounts for financial transactions, exception items, and combined total
separated by debits and credits providing acquirer net amount for the GCMS
FEEACQ Acquirer interchange fees associated with the transactions processed on the
settlement date.
NETISS Amounts for financial transactions, exception items, and combined total
separated by debits and credits providing the issuer net amount for the GCMS
FEEISS Issuer interchange fees associated with the transactions processed on the
settlement date.
ICA The unique 6-digit number assigned by MasterCard that identifies a member or
processing endpoint for settlement. A member can be a processor, institution,
or both. Applies to GCMS settlement data only. Displays below the Net Oct
Settlement (GCMS) field. 2006
2006 MasterCard
SWCHD363 MASTERCARD DEBIT SWITCH
3-10
DAILY CONTROL REPORT WORK OF: 09/01/06
ACQUIRING PROCESSOR PAGE: 1
Reports
PROCESSOR : TEST BANK

PROCESSOR ID : 9000009999
INSTITUTION ID : 0000009999 TEST CITY BANK BIN NUMBER : 999999
CURRENCY : 840 U.S. Dollar
SETTLEMENT ICA : 001111
Settlement Reports
DESCRIPTION TRANSACTIONS FINANCIAL ---------------------------- INTERCHANGE ----------------------------

NUMBER NUMBER AMOUNT --------------- COUNTS ---------------- --------- AMOUNTS ----------
APPROVED DENIALS TRANS FINANCIAL % BASED NONFIN NONBILL DEBIT CREDIT
CIRRUS
CASH WD SAV 9 6 563.93 6 0 9 0 0.00 8.25
CASH WD DDA 6 3 37.37 4 0 5 0 0.00 4.75
CASH ADV CCD 5 3 755.70 4 0 4 0 0.00 5.25
CASH WD NAS 6 3 1,354.04 5 0 4 0 0.00 5.00
TRANSFER SAV/DDA 3 6 0.00 0 0 9 0 0.00 2.25
TRANSFER DDA/SAV 2 2 0.00 0 0 4 0 0.00 1.00
BALANCE INQ 8 9 0.00 0 0 17 0 0.00 4.00
--------------------------------------------------------------------------------------------------------------------------------
SUBTOTALS 39 32 2,711.04 19 0 52 0 0.00 30.50
EXCEPTION ITEMS 3 0 32.39 CR 3 0 0 0 0.00 1.25

--------------------------------------------------------------------------------------------------------------------------------
TOTALS 42 32 2,743.43 22 0 52 0 0.00 31.75
MASTERCARD
CASH WD SAV 0 2 0.00 0 0 2 0 0.00 0.50
CASH WD DDA 0 1 0.00 0 0 1 0 0.00 0.25
CASH ADV CCD 0 8 0.00 0 0 8 0 0.00 1.50
BALANCE INQ 0 6 0.00 0 0 6 0 0.00 1.50
--------------------------------------------------------------------------------------------------------------------------------
TOTALS 0 17 0.00 0 0 17 0 0.00 3.75
MAESTRO POS
PURCHASE 12 7 733.89 0 10 9 0 4.78 0.00
PRE-AUTH 2 0 92.19 0 2 0 0 0.60 0.00
REFUND 1 3 80.00 DB 0 1 3 0 0.00 0.52
Figure 3.1SWCHD363 Daily Control Report (1 of 9)Acquiring Processor
ECOM CERT SAV 0 2 0.00 0 0 2 0 0.98 0.00

ECOM CERT DDA 0 1 0.00 0 0 1 0 0.00 0.00
ECOM CERT CCD 0 2 0.00 0 0 2 0 0.98 0.00
ECOM CERT NAS 0 2 0.00 0 0 2 0 0.00 0.00
PURCHASE-DM W/PIN 9 5 463.00 0 8 6 0 9.51 0.00
PRE-AUTH-DM W/PIN 2 0 119.00 0 2 0 0 1.00 0.00
REFUND - DM W/PIN 1 0 10.00 DB 0 1 0 0 0.00 0.23
--------------------------------------------------------------------------------------------------------------------------------
TOTALS 27 22 1,318.08 0 24 25 0 17.85 0.75
2006 MasterCard
October 2006 MDS Settlement and Reports
Oct
2006
2006 MasterCard

MAESTRO ATM
CASH WD SAV 2 2 275.58 2 0 2 0 0.00 2.25
CASH WD DDA 0 2 0.00 0 0 2 0 0.00 0.50
CASH ADV CCD 2 2 677.25 2 0 2 0 0.00 2.25
CASH WD NAS 0 4 0.00 0 0 4 0 0.00 1.00
TRANSFER SAV/DDA 0 2 0.00 0 0 2 0 0.00 0.50
TRANSFER DDA/SAV 1 1 0.00 0 0 2 0 0.00 0.50
MDS Settlement and Reports October 2006

BALANCE INQ 7 8 0.00 0 0 15 0 0.00 2.75
--------------------------------------------------------------------------------------------------------------------------------
TOTALS 12 21 952.83 4 0 29 0 0.00 9.75
MAESTRO
PAYMENT SAV 1 1 100.00 DB 0 1 1 0 0.50 0.00
PAYMENT NAS 1 0 10.10 DB 0 1 0 0 0.05 0.00
REMOTE PAY SAV 1 0 22.00 0 1 0 0 0.32 0.00
REMOTE PAY DDA 1 0 40.00 0 1 0 0 0.45 0.00
REMOTE PAY CCD 1 0 78.46 1 0 0 0 0.00 0.00
REMOTE PAY NAS 1 0 133.05 1 0 0 0 0.00 0.00
--------------------------------------------------------------------------------------------------------------------------------
TOTALS 6 1 163.41 2 4 1 0 1.32 0.00
PLUS
CASH WD SAV 1 1 10.00 1 0 1 0 0.00 1.30
CASH WD DDA 2 1 273.52 2 0 1 0 0.00 2.30
CASH ADV CCD 2 1 49.99 1 0 2 0 0.00 1.60
CASH WD NAS 2 1 266.10 1 0 2 0 0.00 1.60
TRANSFER SAV/DDA 1 1 0.00 0 0 2 0 0.00 0.60
TRANSFER DDA/SAV 2 0 0.00 0 0 2 0 0.00 0.60

BALANCE INQ 4 4 0.00 0 0 8 0 0.00 2.40
--------------------------------------------------------------------------------------------------------------------------------
SUBTOTALS 14 9 599.61 5 0 18 0 0.00 10.40

--------------------------------------------------------------------------------------------------------------------------------
TOTALS 15 9 613.61 6 0 18 0 0.00 10.40
3-11
Reports
Settlement Reports
Oct
2006
3-12
Reports

Settlement Reports

GRAND TOTALS:
PURCHASE 12 7 733.89 0 10 9 0 4.78 0.00
PRE-AUTH 2 0 92.19 0 2 0 0 0.60 0.00
REFUND 1 3 80.00 DB 0 1 3 0 0.00 0.52
CASH WD SAV 12 11 849.51 9 0 14 0 0.00 12.30
CASH WD DDA 8 7 310.89 6 0 9 0 0.00 7.80
CASH ADV CCD 9 14 1,482.94 7 0 16 0 0.00 10.60
CASH WD NAS 8 8 1,620.14 6 0 10 0 0.00 7.60
TRANSFER SAV/DDA 4 9 0.00 0 0 13 0 0.00 3.35
TRANSFER DDA/SAV 5 3 0.00 0 0 8 0 0.00 2.10
BALANCE INQ 19 27 0.00 0 0 46 0 0.00 10.65
ECOM CERT SAV 0 2 0.00 0 0 2 0 0.98 0.00
ECOM CERT DDA 0 1 0.00 0 0 1 0 0.00 0.00
ECOM CERT CCD 0 2 0.00 0 0 2 0 0.98 0.00
ECOM CERT NAS 0 2 0.00 0 0 2 0 0.00 0.00
PURCHASE-DM W/PIN 9 5 463.00 0 8 6 0 9.51 0.00
PRE-AUTH-DM W/PIN 2 0 119.00 0 2 0 0 1.00 0.00
REFUND - DM W/PIN 1 0 10.00 DB 0 1 0 0 0.00 0.23
PAYMENT SAV 1 1 100.00 DB 0 1 1 0 0.50 0.00
PAYMENT NAS 1 0 10.10 DB 0 1 0 0 0.05 0.00
REMOTE PAY SAV 1 0 22.00 0 1 0 0 0.32 0.00
REMOTE PAY DDA 1 0 40.00 0 1 0 0 0.45 0.00

REMOTE PAY CCD 1 0 78.46 1 0 0 0 0.00 0.00
REMOTE PAY NAS 1 0 133.05 1 0 0 0 0.00 0.00
--------------------------------------------------------------------------------------------------------------------------------
SUBTOTALS 98 102 5,744.97 30 28 142 0 19.17 55.15

--------------------------------------------------------------------------------------------------------------------------------
TOTALS 102 102 5,791.36 34 28 142 0 19.17 56.40
2006 MasterCard
Oct
2006
2006 MasterCard
INSTITUTION ID : 0000009999 TEST CITY BANK BIN NUMBER ; 999999
DESCRIPTION DEBITS CREDITS

NUMBER AMOUNT NUMBER AMOUNT
FINANCIAL
SETTLEMENT 13 200.10 75 5,945.07
EXCEPTION ITEMS
SAME DAY (CODE 09) 1 19.61 3 66.00

NON-SAME DAY 0 0.00 0 0.00
SETTLEMENT 1 19.61 3 66.00
TOTAL FINANCIAL SETTLEMENT 5,791.36
TOTAL FEES
SETTLEMENT 19.17 56.40
INTERCHANGE
SETTLEMENT 5,828.59
ATM ACCESS CHARGE 0 0.00 0 0.00
SURCHARGE FREE 0
3-13
Reports
Settlement Reports
Oct
2006
3-14
Reports
NET SETTLEMENT SUMMARY PAGE: 4

Settlement Reports

ACQUIRER SETTLEMENT SUMMARY DEBIT CREDIT NET
TRANSACTIONS 0.00 12,013.89 12,013.89CR

EXCEPTION ITEMS 124.11 0.00 124.11
INTERCHANGE FEES 1.00 121.75 120.75CR
TOTAL ACQUIRER 125.11 12,135.64 12,010.53CR
ISSUER SETTLEMENT SUMMARY DEBIT CREDIT NET

TRANSACTIONS 0.00 0.00 0.00
INTERCHANGE FEES 0.00 0.00 0.00
TOTAL ISSUER 0.00 0.00 0.00
NET SETTLEMENT TOTAL 12,010.53CR

NET SETTLEMENT (ACH)
NET SETTLEMENT (GCMS) NETACQ FEEACQ NETISS FEEISS
ICA: 001111 11,889.78CR 120.75CR 0.00 0.00

Figure 3.5SWCHD363 Daily Control Report (5 of 9)Net Settlement Summary
2006 MasterCard
Oct
2006
ISSUING PROCESSOR PAGE: 1
PROCESSOR : COMMERCIAL TEST BANK
2006 MasterCard
CIRRUS
CASH WD SAV 6 3 317.13 3 0 6 0 3.75 0.00
CASH WD DDA 4 2 21.00 2 0 4 0 2.00 0.00
CASH ADV CCD 3 3 816.02 3 0 3 0 3.75 0.00
CASH WD NAS 5 2 1,447.50 4 0 3 0 3.50 0.00
TRANSFER SAV/DDA 2 1 0.00 0 0 3 0 0.75 0.00
TRANSFER DDA/SAV 1 1 0.00 0 0 2 0 0.50 0.00
BALANCE INQ 4 5 0.00 0 0 9 0 2.00 0.00

--------------------------------------------------------------------------------------------------------------------------------
SUBTOTALS 25 17 2,601.65 12 0 30 0 16.25 0.00
EXCEPTION ITEMS 2 0 22.84 DB 2 0 0 0 0.25 0.00

--------------------------------------------------------------------------------------------------------------------------------
TOTALS 27 17 2,624.49 14 0 30 0 16.50 0.00
MAESTRO POS
PURCHASE 4 1 552.98 0 3 2 0 0.00 3.21
REFUND 0 2 0.00 0 0 2 0 0.00 0.00
ECOM CERT SAV 0 2 0.00 0 0 2 0 0.00 0.98
ECOM CERT DDA 0 1 0.00 0 0 1 0 0.00 0.00
ECOM CERT CCD 0 2 0.00 0 0 2 0 0.00 0.98
ECOM CERT NAS 0 2 0.00 0 0 2 0 0.00 0.00
PURCHASE-DM W/PIN 9 5 463.00 0 8 6 0 0.00 9.51
PRE-AUTH-DM W/PIN 2 0 119.00 0 2 0 0 0.00 1.00
REFUND - DM W/PIN 1 0 10.00 CR 0 1 0 0 0.23 0.00
-------------------------------------------------------------------------------------------------------------------------------
TOTALS 16 15 1,124.98 0 14 17 0 0.23 15.68
Figure 3.6SWCHD363 Daily Control Report (6 of 9)Issuing Processor
MAESTRO ATM
CASH WD SAV 2 2 278.24 2 0 2 0 2.25 0.00
CASH WD DDA 0 2 0.00 0 0 2 0 0.50 0.00
CASH ADV CCD 2 2 683.90 2 0 2 0 2.25 0.00
CASH WD NAS 0 4 0.00 0 0 4 0 1.00 0.00
TRANSFER SAV/DDA 0 2 0.00 0 0 2 0 0.50 0.00
TRANSFER DDA/SAV 1 1 0.00 0 0 2 0 0.50 0.00
BALANCE INQ 6 7 0.00 0 0 13 0 2.50 0.00
-------------------------------------------------------------------------------------------------------------------------------
TOTALS 11 20 962.14 4 0 27 0 9.50 0.00
3-15
Reports
Settlement Reports
Oct
2006
3-16
ISSUING PROCESSOR PAGE 2
Reports

Settlement Reports

MAESTRO
PAYMENT SAV 1 1 100.00 CR 0 1 1 0 0.00 0.50
PAYMENT NAS 1 0 10.10 CR 0 1 0 0 0.00 0.05
REMOTE PAY SAV 1 0 22.00 0 1 0 0 0.00 0.32
REMOTE PAY DDA 1 0 40.00 0 1 0 0 0.00 0.45
REMOTE PAY CCD 1 0 87.91 1 0 0 0 0.00 0.00
REMOTE PAY NAS 1 0 149.08 1 0 0 0 0.00 0.00
--------------------------------------------------------------------------------------------------------------------------------
TOTALS 6 1 188.89 2 4 1 0 0.00 1.32
GRAND TOTALS:
PURCHASE 4 1 552.98 0 3 2 0 0.00 3.21
REFUND 0 2 0.00 0 0 2 0 0.00 0.00
CASH WD SAV 8 5 595.37 5 0 8 0 6.00 0.00
CASH WD DDA 4 4 21.00 2 0 6 0 2.50 0.00
CASH ADV CCD 5 5 1,499.92 5 0 5 0 6.00 0.00
CASH WD NAS 5 6 1,447.50 4 0 7 0 4.50 0.00
TRANSFER SAV/DDA 2 3 0.00 0 0 5 0 1.25 0.00
TRANSFER DDA/SAV 2 2 0.00 0 0 4 0 1.00 0.00
BALANCE INQ 10 12 0.00 0 0 22 0 4.50 0.00
ECOM CERT SAV 0 2 0.00 0 0 2 0 0.00 0.98
ECOM CERT DDA 0 1 0.00 0 0 1 0 0.00 0.00
ECOM CERT CCD 0 2 0.00 0 0 2 0 0.00 0.98
ECOM CERT NAS 0 2 0.00 0 0 2 0 0.00 0.00
PURCHASE-DM W/PIN 9 5 463.00 0 8 6 0 0.00 9.51
PRE-AUTH-DM W/PIN 2 0 119.00 0 2 0 0 0.00 1.00
REFUND - DM W/PIN 1 0 10.00 CR 0 1 0 0 0.23 0.00
Figure 3.7SWCHD363 Daily Control Report (7 of 9)Issuing Processor
PAYMENT SAV 1 1 100.00 CR 0 1 1 0 0.00 0.50

PAYMENT NAS 1 0 10.10 CR 0 1 0 0 0.00 0.05
REMOTE PAY SAV 1 0 22.00 0 1 0 0 0.00 0.32
REMOTE PAY DDA 1 0 40.00 0 1 0 0 0.00 0.45
REMOTE PAY CCD 1 0 87.91 1 0 0 0 0.00 0.00
REMOTE PAY NAS 1 0 149.08 1 0 0 0 0.00 0.00
--------------------------------------------------------------------------------------------------------------------------------
SUBTOTALS 58 53 4,877.66 18 18 75 0 25.98 17.00
EXCEPTION ITEMS 2 0 22.84 DB 2 0 0 0 0.25 0.00
--------------------------------------------------------------------------------------------------------------------------------
TOTALS 60 53 4,900.50 20 18 75 0 26.23 17.00
2006 MasterCard
Oct
2006
PROCESSOR : TEST ACQ
2006 MasterCard
INSTITUTION ID : 0000009999 BIN NUMBER : 999999
FINANCIAL
SETTLEMENT 17 437.00 28 778.00
EXCEPTION ITEMS
SAME DAY (CODE 09) 0 0.00 0 0.00

NON-SAME DAY 0 0.00 0 0.00
SETTLEMENT 0 0.00 0 0.00
TOTAL FINANCIAL SETTLEMENT 341.00
TOTAL FEES
INTERCHANGE
SETTLEMENT 336.62
SURCHARGE FREE 0
3-17
Reports
Settlement Reports
Oct
2006
3-18
Reports

Settlement Reports

TOTAL ACQUIRER 0.00 0.00 0.00

TRANSACTIONS 1,887,153.11 0.00 1,887,153.11
EXCEPTION ITEMS 153.49 311.21 157.72CR
INTERCHANGE FEES 10,415.50 1.00 10,414.50
TOTAL ISSUER 1,897,722.10 312.21 1,897,409.89
NET SETTLEMENT TOTAL 1,897,409.89

ICA: 009999 0.00 0.00 1,886,995.39 10,414.50

Figure 3.9SWCHD363 Daily Control Report (9 of 9)Net Settlement Summary
2006 MasterCard
Oct
2006
Reports
Settlement Reports
Daily Control ReportSWCHD363ISIS Transactions

The following pages provide an example of the Daily Control Report
SWCHD363 with ISIS transactions detailed on the report.
The ISIS Agreement Number and Settlement Service information are included
in the header to identify ISIS transaction information.
2006 MasterCard
3-20
ACQUIRING PROCESSOR COUNTRY: 702 PAGE: 47
Reports
PROCESSOR : TEST PROCESSOR 1

SETTLEMENT SERVICE : 000
ISIS AGREEMENT NBR : C702
Settlement Reports
CURRENCY : 702 Singapore Dollar


CIRRUS
CASH WD SAV 7 2 2,800.00 7 0 2 0 0.00 12.50
CASH WD DDA 8 3 4,000.00 8 0 3 0 0.00 14.50
CASH ADV CCD 6 4 2,600.00 6 0 4 0 0.00 11.40
BALANCE INQ 4 5 0.00 0 0 9 0 0.00 2.70
--------------------------------------------------------------------------------------------------------------------------------
TOTALS 25 14 9,400.00 21 0 18 0 0.00 41.10
MASTERCARD
CASH WD DDA 1 0 1,000.00 1 0 0 0 0.00 1.70
CASH ADV CCD 1 0 1,000.00 1 0 0 0 0.00 1.70
BALANCE INQ 1 0 0.00 0 0 1 0 0.00 0.30
--------------------------------------------------------------------------------------------------------------------------------
TOTALS 3 0 2,000.00 2 0 1 0 0.00 3.70
MAESTRO ATM
CASH WD SAV 3 2 1,200.00 3 0 2 0 0.00 5.70
CASH WD DDA 4 0 3,600.00 4 0 0 0 0.00 6.80
BALANCE INQ 6 3 0.00 0 0 9 0 0.00 2.70
--------------------------------------------------------------------------------------------------------------------------------
TOTALS 13 5 4,800.00 7 0 11 0 0.00 15.20
GRAND TOTALS:
CASH WD SAV 10 4 4,000.00 10 0 4 0 0.00 18.20
CASH WD DDA 13 3 8,600.00 13 0 3 0 0.00 23.00
CASH ADV CCD 7 4 3,600.00 7 0 4 0 0.00 13.10
BALANCE INQ 11 8 0.00 0 0 19 0 0.00 5.70
--------------------------------------------------------------------------------------------------------------------------------
TOTALS 41 19 16,200.00 30 0 30 0 0.00 60.00
Figure 3.10SWCHD363 Daily Control ReportISIS Transactions (1 of 5)Acquiring Processor
2006 MasterCard
Oct
2006
ACQUIRING PROCESSOR COUNTRY: 702 PAGE: 48
2006 MasterCard

FINANCIAL
SETTLEMENT 0 0.00 30 16,200.00
EXCEPTION ITEMS

SAME DAY (CODE 09) 0 0.00 0 0.00
NON-SAME DAY 0 0.00 0 0.00
TOTAL FEES
INTERCHANGE
SETTLEMENT 16,260.00

SURCHARGE FREE 0
Figure 3.11SWCHD363 Daily Control ReportISIS Transactions (2 of 5)Acquiring Processor
3-21
Reports
Settlement Reports
Oct
2006
3-22
Reports
ISSUING PROCESSOR COUNTRY: 702 PAGE: 49

Settlement Reports


CIRRUS
CASH WD SAV 27 3 6,400.00 27 0 3 0 46.80 0.00
CASH WD DDA 49 11 19,440.00 49 0 11 0 86.60 0.00
CASH ADV CCD 4 3 2,350.00 4 0 3 0 7.70 0.00
BALANCE INQ 38 4 0.00 0 0 42 0 12.60 0.00
--------------------------------------------------------------------------------------------------------------------------------
TOTALS 118 21 28,190.00 80 0 59 0 153.70 0.00
GRAND TOTALS:
CASH WD SAV 27 3 6,400.00 27 0 3 0 46.80 0.00
CASH WD DDA 49 11 19,440.00 49 0 11 0 86.60 0.00
CASH ADV CCD 4 3 2,350.00 4 0 3 0 7.70 0.00
BALANCE INQ 38 4 0.00 0 0 42 0 12.60 0.00
--------------------------------------------------------------------------------------------------------------------------------
TOTALS 118 21 28,190.00 80 0 59 0 153.70 0.00
Figure 3.12SWCHD363 Daily Control ReportISIS Transactions (3 of 5)Issuing Processor
2006 MasterCard
Oct
2006
PROCESSOR : TEST ISSUER
2006 MasterCard
FINANCIAL
SETTLEMENT 28 778.00 17 437.00
EXCEPTION ITEMS
SAME DAY (CODE 09) 0 0.00 0 0.00

NON-SAME DAY 0 0.00 0 0.00
TOTAL FINANCIAL SETTLEMENT 341.00
TOTAL FEES
INTERCHANGE
SETTLEMENT 336.62
TOTAL CCA 0.00 0.00
TOTAL ICCR 0.00 0.00
SURCHARGE FREE 0
Figure 3.13SWCHD363 Daily Control ReportISIS Transactions (4 of 5)Issuing Processor
3-23
Reports
Settlement Reports
Oct
2006
3-24
DAILY CONTROL REPORT COUNTRY: 702 WORK OF: 09/01/06
Reports

Settlement Reports

TRANSACTIONS 0.00 93,750.00 93,750.00CR


TRANSACTIONS 48,140.00 0.00 48,140.00
TOTAL ISSUER 48,399.70 0.00 48,399.70

ICA: 009999 93,750.00CR 493.70CR 48,140.00 259.70

Figure 3.14SWCHD363 Daily Control ReportISIS Transactions (5 of 5)Net Settlement Summary
2006 MasterCard
Oct
2006
Reports
Settlement Reports
Daily Control ReportSWCHD363Institution Level Transactions

The following pages provide an example of the Daily Control Report
SWCHD363 with Institution Level transactions detailed on the report.
This report will page break by currency type within processor, and then by
Routing and Transit number within processor if the processor participates in
member level settlement.
2006 MasterCard
3-26
DAILY CONTROL REPORT WORK OF: 09/01 /06
Reports

Settlement Reports

CIRRUS
CASH WD SAV 0 1 0.00 0 0 1 0 0.00 0.25
CASH WD DDA 1 1 470.28 1 0 1 0 0.00 1.50
CASH ADV CCD 1 1 627.04 1 0 1 0 0.00 1.25
CASH WD NAS 1 3 313.52 1 0 3 0 0.00 2.00
--------------------------------------------------------------------------------------------------------------------------------
TOTALS 3 6 1,410.84 3 0 6 0 0.00 5.00
MASTERCARD
CASH ADV CCD 1 0 156.76 1 0 0 0 0.00 1.25
--------------------------------------------------------------------------------------------------------------------------------
TOTALS 1 0 156.76 1 0 0 0 0.00 1.25
MAESTRO ATM
CASH WD NAS 0 2 0.00 0 0 2 0 0.00 0.50
--------------------------------------------------------------------------------------------------------------------------------
TOTALS 0 2 0.00 0 0 2 0 0.00 0.50
GRAND TOTALS:
CASH WD SAV 0 1 0.00 0 0 1 0 0.00 0.25
CASH WD DDA 1 1 470.28 1 0 1 0 0.00 1.50
CASH ADV CCD 2 1 783.80 2 0 1 0 0.00 2.50
CASH WD NAS 1 5 313.52 1 0 5 0 0.00 2.50
--------------------------------------------------------------------------------------------------------------------------------
TOTALS 4 8 1,567.60 4 0 8 0 0.00 6.75
Figure 3.15SWCHD363 Daily Control ReportInstitution Level Trans (1 of 3)Acquiring Processor
2006 MasterCard
Oct
2006
2006 MasterCard
INSTITUTION ID : 1000022222 TEST CITY BANK

FINANCIAL
SETTLEMENT 0 0.00 4 1,567.60

EXCEPTION ITEMS
SAME DAY (CODE 09) 0 0.00 0 0.00
NON-SAME DAY 0 0.00 0 0.00
TOTAL FEES
INTERCHANGE
SETTLEMENT 1,574.35

SURCHARGE FREE 0
Figure 3.16SWCHD363 Daily Control ReportInstitution Level Trans (2 of 3)Acquiring Processor
3-27
Reports
Settlement Reports
Oct
2006
3-28
Reports

INSTITUTION ID : 1000022222 TEST CITY BANK
Settlement Reports

TRANSACTIONS 0.00 4,599.55 4,599.55CR


TOTAL ISSUER 0.00 0.00 0.00

NET SETTLEMENT (ACH) 4,647.80CR
ICA: 009999
2006 MasterCard
Figure 3.17SWCHD363 Daily Control ReportInstitution Level Trans (3 of 3)Net Settle Summary
Oct
2006
Reports
Settlement Reports
Daily Interchange ReportSWCHD412

Purpose: This report assists members with the reconciliation process by
providing enhanced fee reporting.
Description: This report provides each fee record description alphabetically Oct
2006
by product and the interchange fee record within the product
category. Amounts are presented in the designated settlement
currency of the processor.
The MDS divides the Daily Interchange Report into three

sections.
fee description by category,
transaction volume by category, and
interchange fees for each category.
The report shows all fee counts, separated by Financial,

Percentage-based, Non-financial, and Non-billable categories.
The MDS segregates this report according to acquiring and

issuing processor. The report page breaks on currency types
within processors.
The Net Interchange Summary page lists the acquirer and

issuers net interchange fees. The information is also listed by
acquirer and issuer on the Net Settlement Summary page of
the Daily Control ReportSWCHD363.
This report is activity driven. If a fee does not have activity, it

is not shown.
ISIS appearing in the FEE DESCRIPTION field identifies the ISIS

transactions.
Refer to Table 3.6 for a description of the SWCHD412 report

fields.
Frequency: Daily

MasterCard OnLine.
2006 MasterCard
Reports
Settlement Reports
Enhancements with this update: Oct

2006
Effective with the MDS 06.3 Release, October 2006 the following enhancement
has been made to the SWCHD412 Daily Interchange report.
A separate Bin Number field has been added and appears under the
Report Heading information and to the right of the Institution ID field.
This new field contains the six-digit BIN and allows members the ability to
sort the report information by BIN, as well as processor ID and institution
ID.
For additional information on this enhancement, refer to the MDS Release 06.3
Document or contact your Customer Operations Services team representative.
Note Line calculations for interchange fees can not be validated due to percentage
based interchange for Maestro POS calculations. Line calculations for acquirer
generated interchange cannot be validated because the interchange values
differ for each transaction.
There is a month-to-date version of this report (Monthly Interchange Report
SWCHM412).
Field Description
Header FieldsDisplay at top of all pages of the report.
PROCESSOR The processor name. Oct
2006
PROCESSOR ID The MDS-assigned processor/member identification number.
INSTITUTION ID The Routing and Transit number for the institution.
This field is included only for processors that participate in member level settlement.
BIN NUMBER Six-digit number that allows members to sort the report number by a specific bank
identification number.
SETTLEMENT The Settlement Service agreed to by participating members. The Settlement Service
SERVICE ID identifies a specific Settlement Service with a cutoff time agreed to by a
participating member. Settlement Service IDs are listed below:
000 MDS Default
001 Brazil ISIS
002 MDS Debit MasterCard
Settlement Service cutoff times are determined by the Interchange Type, ISIS
Agreement Number, and the Product.
A service may be in U.S. dollars, local currency, or intra-currency.
This field is included only for ISIS activity detail.
2006 MasterCard
Reports
Settlement Reports
Field Description
Oct
ISIS AGREEMENT The MDS-assigned ISIS Agreement number. 2006
NBR This field is included only for ISIS activity detail.
FX The exchange rate used for the settlement currency.
Oct
CURRENCY The currency selected by the acquirer or issuer processor as the currency of 2006
settlement.
The field displays both the currency name and numeric code.
SETTLEMENT ICA The unique 6-digit number assigned by MasterCard that identifies a member or
processing endpoint for settlement.
Column HeadingsDisplay across the page just below the Header fields for both acquirers and
issuers.
FEE DESCRIPTION Provides the name of each fee record and the corresponding interchange fees
associated with the applicable product.
FIN Financial Interchange Fee is the amount the issuer (ATM transaction) pays to the
acquirer or the acquirer (POS transaction) pays to the issuer for financial
transactions.
PCT The Percentage Based Interchange Fee is the amount the issuer (ATM transaction)
pays to the acquirer, or the acquirer (POS transaction) pays to the issuer for
percentage based transactions.
NON FIN Non-financial Interchange Fee is the amount the issuer (ATM transaction) pays to the
acquirer or the acquirer (POS transaction) pays to the issuer on non-financial
transactions.
MIN Minimum Interchange Fee (if applicable).
MAX Maximum Interchange Fee (if applicable)
COUNTS
FINANCIAL Total number of financial transactions assessed an interchange fee.
% BASED Total number of percentage based transactions assessed an interchange fee.
NON-FINANCIAL Total number of non-financial transactions assessed an interchange fee.
NON-BILL Total number of financial and non-financial transactions not assessed an interchange
fee.
AMOUNTS Total monetary amounts for interchange fees separated by debits and credits.
DEBIT
CREDIT
Total FieldsDisplay to the right of the product name along the left side of the page. All items
under Column Headings total for these headings.
SUBTOTAL Total counts and amounts of fee categories by product.
EXCEPTION ITEMS Total counts and fee amounts of Exception Items by product.
TOTAL Total counts and amounts of interchange fees by product.
2006 MasterCard
Reports
Settlement Reports
Field Description
ACQUIRER/ISSUER Total interchange fee counts and amounts for all categories as acquirer or issuer. Oct
TOTAL Heading depends on whether the page heading indicates ACQUIRING PROCESSOR 2006
or ISSUING PROCESSOR.
Net Interchange Summary HeadingsDisplay to the left of the NET INTERCHANGE SUMMARY
page.
ACQUIRER The counts and amounts for ATM and POS interchange fees separated by debits and
SETTLEMENT credits, providing the acquirer net amount.
SUMMARY The net amount has a Credit (CR) or Debit (DB) indicator after the total.
ISSUER SETTLEMENT The counts and amounts for ATM and POS interchange fees separated by debits and
SUMMARY credits, providing the issuer net amount.
The net amount has a Credit (CR) or Debit (DB) indicator after the total.
NET INTERCHANGE The final net Credit (CR) or Debit (DB) total of acquirer and issuer summary net
SETTLEMENT totals.
This heading displays at the bottom of the page.
2006 MasterCard
DAILY INTERCHANGE REPORT WORK OF: 09/01/06
PROCESSOR : TESTBANK
CURRENCY : 840 U.S. DOLLAR
2006 MasterCard
FEE DESCRIPTION COUNTS AMOUNTS

----------------------------------- ----------------------------------------------- ------------------ -------------------
FIN PCT NONFIN MIN MAX FINANCIAL % BASED NONFINANCIAL NONBILL DEBIT CREDIT
CI#1 ATM DOMESTIC

50D .00 25D 0 0 734 0 320 0 0.00 447.00
CI#1 ATM INTL

125D .00 25D 0 0 3 0 28 0 0.00 4.00

CI#6 ATM EPSS INTL
125D .00 25D 0 0 1 0 1 0 0.00 1.50
CI#7 ATM INTL

125D .00 25D 0 0 1 0 1 0 0.00 1.50
CI#16 ATM LA INTL ISSUER

125D .00 25D 0 0 1 0 0 0 0.00 1.25
-----------------------------------------------------------------------------------------------------------------------------------
CIRRUS SUBTOTAL 740 0 350 0 0.00 455.25
CIRRUS EXCEPTION ITEMS 0 0 0 0 0.00 0.00
-----------------------------------------------------------------------------------------------------------------------------------
CIRRUS TOTAL 740 0 350 0 0.00 455.25
MC#1 ATM DOMESTIC

50D .00 25D 0 0 7 0 4 0 0.00 4.50
MC#6 ATM EPSS INTL

125D .00 25D 0 0 4 0 4 0 0.00 6.00
-----------------------------------------------------------------------------------------------------------------------------------
Figure 3.18SWCHD412 Daily Interchange Report (1 of 5)Acquiring Processor
MASTERCARD SUBTOTAL 11 0 8 0 0.00 10.50

MASTERCARD EXCEPTION ITEMS 0 0 0 0 0.00 0.00
-----------------------------------------------------------------------------------------------------------------------------------
MASTERCARD TOTAL 11 0 8 0 0.00 10.50
3-33
Reports
Settlement Reports
Oct
2006
3-34
Reports
Settlement Reports

----------------------------------- ----------------------------------------------- ------------------ -------------------
MS#1 ATM WD DOMESTIC

50D .00 25D 0 0 160 0 23 0 0.00 85.75
MS#1 ATM TR DOMESTIC

25D .00 25D 0 0 0 0 2 0 0.00 0.50
MS#1 ATM BI DOMESTIC

25D .00 25D 0 0 0 0 42 0 0.00 10.50
MS#1 ATM WD INTL
125D .00 25D 0 0 2 0 0 0 0.00 2.50
MS#6 ATM WD EPSS INTL

125D .00 25D 0 0 11 0 1 0 0.00 14.00
MS#7 ATM WD DOMESTIC

50D .00 25D 0 0 84 0 9 0 0.00 44.25
MS#7 ATM TR DOMESTIC

25D .00 25D 0 0 0 0 1 0 0.00 0.25
MS#7 ATM BI DOMESTIC

25D .00 25D 0 0 0 0 16 0 0.00 4.00
MS#16 ATM WD LA INTL ISS

125D .00 25D 0 0 0 0 1 0 0.00 0.25
MS#16 ATM BI LA INTL ISS

25D .00 25D 0 0 0 0 2 0 0.00 0.50
-----------------------------------------------------------------------------------------------------------------------------------
MAESTRO ATM SUBTOTAL 257 0 97 0 0.00 162.50
MAESTRO ATM EXCEPTION ITEMS 0 0 0 0 0.00 0.00

-----------------------------------------------------------------------------------------------------------------------------------
MAESTRO ATM TOTAL 257 0 97 0 0.00 162.50
2006 MasterCard
Oct
2006
2006 MasterCard

----------------------------------- ----------------------------------------------- ------------------ -------------------
PL #1 DOMESTIC
50D .00 25D 0 0 4 0 2 0 0.00 2.25

-----------------------------------------------------------------------------------------------------------------------------------
PLUS SUBTOTAL 4 0 2 0 0.00 2.25
PLUS EXCEPTION ITEMS 0 0 0 0 0.00 0.00
-----------------------------------------------------------------------------------------------------------------------------------
PLUS TOTAL 4 0 2 0 0.00 2.25
-----------------------------------------------------------------------------------------------------------------------------------
ACQUIRER TOTAL 1,012 0 457 0 0.00 630.50
3-35
Reports
Settlement Reports
Oct
2006
3-36
Reports
Settlement Reports


----------------------------------- ----------------------------------------------- ------------------ -------------------
CI PURCHASE DOMESTIC
15C .75C 0 0 50C 0 11 2 0 0.00 2.61
CI#1 ATM DOMESTIC

50D .00 25D 0 0 4,161 0 1,183 0 2,375.25 0.00
CI#1 ATM INTL

125D .00 25D 0 0 118 0 21 0 152.25 0.00
CI#15 ATM LA INTL ACQUIRER

125D .00 25D 0 0 39 0 22 0 54.00 0.00
-----------------------------------------------------------------------------------------------------------------------------------
CIRRUS SUBTOTAL 4,318 11 1,228 0 2,581.50 2.61
-----------------------------------------------------------------------------------------------------------------------------------
CIRRUS TOTAL 4,325 11 1,228 0 2,581.75 3.86
-----------------------------------------------------------------------------------------------------------------------------------
ISSUER TOTAL 4,325 11 1,228 0 2,581.75 3.86
Figure 3.21SWCHD412 Daily Interchange Report (4 of 5)Issuing Processor
2006 MasterCard
Oct
2006
NET INTERCHANGE SUMMARY PAGE: 5
2006 MasterCard
ACQUIRER SUMMARY COUNTS AMOUNTS

------------------------------------------------------------------- -----------------------------------------------------------
FINANCIAL % BASED NONFINANCIAL NONBILL DEBIT CREDIT NET
ATM TRANSACTIONS 1,012 0 457 0 0.00 630.50 630.50CR
POS TRANSACTIONS 0 0 0 0 0.00 0.00 0.00

-----------------------------------------------------------------------------------------------------------------------------------
TOTAL 1,012 0 457 0 0.00 630.50 630.50CR
ISSUER SUMMARY COUNTS AMOUNTS

---------------- --------------------------------------------------- -----------------------------------------------------------
ATM TRANSACTIONS 4,325 0 1,226 0 2,581.75 1.25 2,580.50DB
POS TRANSACTIONS 0 11 2 0 0.00 2.61 2.61CR
-----------------------------------------------------------------------------------------------------------------------------------
TOTAL 4,325 11 1,228 0 2,581.75 3.86 2,577.89DB
NET INTERCHANGE SETTLEMENT 1,947.39DB

Figure 3.22SWCHD412 Daily Interchange Report (5 of 5)Net Interchange Summary
3-37
Reports
Settlement Reports
Oct
2006
Reports
Settlement Reports
Daily Interchange ReportSWCHD412ISIS Transactions

The following pages provide an example of the Daily Interchange Report
SWCHD412 with ISIS transactions detailed on the report.
The ISIS Agreement Number and Settlement Service information are included
in the header to identify ISIS transaction information.
2006 MasterCard
PROCESSOR : TEST BANK OF VENEZUELA

2006 MasterCard
CURRENCY : 862 BOLIVAR

----------------------------------- ----------------------------------------------- ------------------ -------------------
CI ATM ISIS VENEZUELA

8000D .00 6000D 0 0 0 0 1 0 0.00 60.00
-----------------------------------------------------------------------------------------------------------------------------------
CIRRUS SUBTOTAL 0 0 1 0 0.00 60.00

-----------------------------------------------------------------------------------------------------------------------------------
CIRRUS TOTAL 0 0 1 0 0.00 60.00
MS POS ISIS VENEZUELA
0 .00 0 0 0 1,180 0 201 0 0.00 0.00
MS POS ISIS VENEZUELA T1

0 .00 0 0 0 1,165 0 242 0 0.00 0.00
-----------------------------------------------------------------------------------------------------------------------------------
MAESTRO POS SUBTOTAL 2,345 0 443 0 0.00 0.00
MAESTRO POS EXCEPTION ITEMS 1 0 0 0 0.00 0.00

-----------------------------------------------------------------------------------------------------------------------------------
MAESTRO POS TOTAL 2,346 0 443 0 0.00 0.00
MS ATM ISIS VENEZUELA

8000D .00 6000D 0 0 14 0 108 0 0.00 7,600.00
MS POS BI ISIS VENEZUELA
0 .00 6000D 0 0 0 0 65 0 0.00 1,800.00
-----------------------------------------------------------------------------------------------------------------------------------
MAESTRO ATM SUBTOTAL 14 0 173 0 0.00 9,400.00

-----------------------------------------------------------------------------------------------------------------------------------
MAESTRO ATM TOTAL 14 0 173 0 0.00 9,400.00
-----------------------------------------------------------------------------------------------------------------------------------
ACQUIRER TOTAL 2,360 0 617 0 0.00 9,460.00
Figure 3.23SWCHD412 Daily Interchange ReportISIS Transactions (1 of 3)Acquiring Processor
3-39
Reports
Settlement Reports
Oct
2006
3-40
Reports

Settlement Reports

FEE DESCRIPTION COUNTS
AMOUNTS
----------------------------------- ----------------------------------------------- ------------------ -------------------
MS POS ISIS VENEZUELA

0 .00 0 0 0 1,030 0 182 0 0.00 0.00

0 .00 0 0 0 528 0 66 0 0.00 0.00

0 .00 0 0 0 31 0 2 0 0.00 0.00
-----------------------------------------------------------------------------------------------------------------------------------
MAESTRO POS SUBTOTAL 1,589 0 250 0 0.00 0.00
-----------------------------------------------------------------------------------------------------------------------------------
MAESTRO POS TOTAL 1,589 0 250 0 0.00 0.00
MS ATM ISIS VENEZUELA

8000D .00 6000D 0 0 58 0 30 0 6,200.00 0.00
----------------------------------------------------------------------------------------------------------------------------------
MAESTRO ATM SUBTOTAL 58 0 30 0 6,200.00 0.00
-----------------------------------------------------------------------------------------------------------------------------------
MAESTRO ATM TOTAL 58 0 30 0 6,200.00 0.00
-----------------------------------------------------------------------------------------------------------------------------------
ISSUER TOTAL 1,647 0 280 0 6,200.00 0.00
Figure 3.24SWCHD412 Daily Interchange ReportISIS Transactions (2 of 3)Issuing Processor
2006 MasterCard
Oct
2006

2006 MasterCard

---------------- --------------------------------------------------- -----------------------------------------------------------
ATM TRANSACTIONS 14 0 109 0 0.00 7,660.00 7,660.00CR

POS TRANSACTIONS 2,346 0 508 0 0.00 1,800.00 1,800.00CR
-----------------------------------------------------------------------------------------------------------------------------------
TOTAL 2,360 0 617 0 0.00 9,460.00 9,460.00CR

---------------- --------------------------------------------------- -----------------------------------------------------------
ATM TRANSACTIONS 58 0 30 0 6,200.00 0.00 6,200.00DB
POS TRANSACTIONS 1,589 0 250 0 0.00 0.00 0.00
-----------------------------------------------------------------------------------------------------------------------------------
TOTAL 1,647 0 280 0 6,200.00 0.00 6,200.00DB
NET INTERCHANGE SETTLEMENT 3,260.00CR

Figure 3.25SWCHD412 Daily Interchange ReportISIS Transactions (3 of 3)Net Intrch Summary
3-41
Reports
Settlement Reports
Oct
2006
Reports
Settlement Reports
Daily Interchange ReportSWCHD412Institution Level

Transactions
The following pages provide an example of the Daily Interchange Report
SWCHD412 with Institution Level transactions detailed on the report.
This report will page break by currency type within processor, and then by
Routing and Transit number within processor if the processor participates in
member level settlement.
2006 MasterCard
PROCESSOR : TEST PROCESSOR

INSTITUTION ID : 1989898626 BIN NUMBER : 999999
2006 MasterCard

----------------------------------- ----------------------------------------------- ------------------ -------------------
CI#13 ATM LA INTRA-REGIONAL

125D .00 25D 0 0 11 0 4 0 0.00 14.75
CI#15 ATM LA INTL ACQUIRER
125D .00 25D 0 0 36 0 34 0 0.00 48.50
CI#904 LA ACQ TO EPSS ISSUER

125D .00 25D 0 0 6 0 3 0 0.00 8.25
-----------------------------------------------------------------------------------------------------------------------------------
CIRRUS SUBTOTAL 53 0 41 0 0.00 71.50
-----------------------------------------------------------------------------------------------------------------------------------
CIRRUS TOTAL 53 0 41 0 0.00 71.50
MC#13 ATM LA INTRA-REGIONAL

125D .00 25D 0 0 2 0 0 0 0.00 2.50
MC#15 ATM LA INTL-ACQUIRER
125D .00 25D 0 0 3 0 0 0 0.00 3.75
MC#902 LA ACQ TO MC#4

125D .00 25D 0 0 3 0 1 0 0.00 4.00
MC#904 LA ACQ TO EPSS ISSUER

125D .00 25D 0 0 15 0 3 0 0.00 19.50
-----------------------------------------------------------------------------------------------------------------------------------
MASTERCARD SUBTOTAL 23 0 4 0 0.00 29.75
MASTERCARD EXCEPTION ITEMS 0 0 0 0 0.00 0.00
-----------------------------------------------------------------------------------------------------------------------------------
MASTERCARD TOTAL 23 0 4 0 0.00 29.75
MS#13 ATM WD LA INTRA_REGIONAL
125D .00 25D 0 0 36 0 11 0 0.00 47.75
MS#13 ATM BI LA INTRA-REGIONAL
25D .00 25D 0 0 0 0 7 0 0.00 1.75
MS#15 ATM WD LA INTL ACQ
125D .00 25D 0 0 64 0 17 0 0.00 84.25
Figure 3.26SWCHD412 Daily Interchange ReportInstitution Level Trans (1 of 4)Acq. Processor
3-43
Reports
Settlement Reports
Oct
2006
3-44
Reports

Settlement Reports


----------------------------------- ----------------------------------------------- ------------------ -------------------
MS#15 ATM BI LA INTL ACQ

25D .00 25D 0 0 0 0 6 0 0.00 1.50
MS ATM FOO #904 FSI 015 & 006

125D .00 25D 0 0 59 0 8 0 0.00 75.75
MS ATM FOO #905 FSI 015 & 007

125D .00 25D 0 0 6 0 0 0 0.00 7.50
-----------------------------------------------------------------------------------------------------------------------------------
-----------------------------------------------------------------------------------------------------------------------------------
-----------------------------------------------------------------------------------------------------------------------------------
ACQUIRER TOTAL 241 0 94 0 0.00 319.75
Figure 3.27SWCHD412 Daily Interchange ReportInstitution Level Trans (2 of 4)Acq. Processor
2006 MasterCard
Oct
2006

2006 MasterCard

----------------------------------- ----------------------------------------------- ------------------ -------------------
CI#16 ATM LA INTL ISSUER

125D .00 25D 0 0 4 0 2 0 5.50 0.00
-----------------------------------------------------------------------------------------------------------------------------------
CIRRUS SUBTOTAL 4 0 2 0 5.50 0.00
-----------------------------------------------------------------------------------------------------------------------------------

CIRRUS TOTAL 4 0 2 0 5.50 0.00
MS POS INTL
0 .65C 0 0 0 0 5 3 0 0.00 1.40 MS
POS INTL SIGNATURE
0 .65C 0 0 0 0 2 0 0 0.00 1.72
-----------------------------------------------------------------------------------------------------------------------------------
MAESTRO POS SUBTOTAL 0 7 3 0 0.00 3.12
-----------------------------------------------------------------------------------------------------------------------------------
MAESTRO POS TOTAL 0 7 3 0 0.00 3.12
MS#13 ATM WD LA INTRA_REGIONAL

125D .00 25D 0 0 25 0 39 0 41.00 0.00
MS#13 ATM BI LA INTRA-REGIONAL
25D .00 25D 0 0 0 0 13 0 3.25 0.00
MS#16 ATM WD LA INTL ISS

125D .00 25D 0 0 72 0 63 0 105.75 0.00
MS#16 ATM BI LA INTL ISS
25D .00 25D 0 0 0 0 17 0 4.25 0.00
-----------------------------------------------------------------------------------------------------------------------------------
-----------------------------------------------------------------------------------------------------------------------------------
-----------------------------------------------------------------------------------------------------------------------------------
ISSUER TOTAL 101 7 137 0 159.75 3.12
Figure 3.28SWCHD412 Daily Interchange ReportInstitution Level Trans (3 of 4)Iss. Processor
3-45
Reports
Settlement Reports
Oct
2006
3-46
Reports

Settlement Reports


---------------- --------------------------------------------------- -----------------------------------------------------------
ATM TRANSACTIONS 241 0 94 0 0.00 319.75 319.75CR
POS TRANSACTIONS 0 0 0 0 0.00 0.00 0.00
-----------------------------------------------------------------------------------------------------------------------------------
TOTAL 241 0 94 0 0.00 319.75 319.75CR

---------------- --------------------------------------------------- -----------------------------------------------------------
ATM TRANSACTIONS 101 0 134 0 159.75 0.00 159.75DB
POS TRANSACTIONS 0 7 3 0 0.00 3.12 3.12CR
-----------------------------------------------------------------------------------------------------------------------------------
TOTAL 101 7 137 0 159.75 3.12 156.63DB
NET INTERCHANGE SETTLEMENT 163.12CR

Figure 3.29SWCHD412 Daily Interchange ReportInstitution Level Trans (4 of 4)Net Inter. Sum.
2006 MasterCard
Oct
2006
Reports
Settlement Reports
Monthly Control ReportSWCHM363

Purpose: The MDS generates this report to validate the processors
monthly net settlement position to the processors settlement
account.
Description: This report is a month-end version of the Daily Control

ReportSWCHD363.
This report provides summary detail by transaction type within Oct

product type and includes the following transaction 2006
information:
financial quantity for approved and denied
financial amount of transaction and fees, and
reversal quantity and net amount of transactions and fees.
The MDS provides totals derived from the Batch Data File
settlement messages for acquiring and issuing processors.
The Net Settlement Summary page lists the net settlement of

transactions, reversals, and fees separated by debit, credit, and
net for both the acquirer and the issuer. It also provides a
final combined net settlement disposition for the Automated
Clearing House System (ACH) and the Global Clearing
Management System (GCMS).
This report is based upon activity. Therefore, if a transaction

type has 0 activity, it is not reported.
Frequency: Monthly

MasterCard OnLine.
Note For a sample of this report, refer to the Daily Control Report SWCHD363
subsection.
2006 MasterCard
Reports
Settlement Reports
Monthly Interchange ReportSWCHM412

Purpose: This report assists members with the reconciliation process by
providing enhanced fee reporting.
Description: This report is a month-end version of the Daily Interchange

ReportSWCHD412.
The MDS divides the Monthly Interchange Report into three Oct
2006
sections.
fee description by category
transaction volume by category, and
total dollar amounts by category.
The fee description by category reflects the supported fee-

sharing indices of the Customer and Technology.
The report shows all transaction counts, separated by Financial

and Non-financial, Billable and Non-billable categories. The
actual dollar amount of fees are applied to interchange by
product and then totaled in the Total Net column.
The MDS segregates this report according to acquiring and

issuing processor. The Daily Control ReportSWCHD363 lists
the net total of fees in the field entitled total fees settlement.
This report is activity driven. If a transaction type has 0

activity, it is not shown.
Frequency: Monthly

MasterCard OnLine
Oct
Note For a sample of this report, refer to the Daily Interchange ReportSWCHD412 2006
subsection.
2006 MasterCard
Reports
Settlement Reports
Debit MasterCard Inbound/Outbound Fee Report

SWCHD586-A
Note For more information, refer to the IPM Clearing Formats manual.
Purpose: Debit MasterCard processors can use this report to track and
monitor miscellaneous inbound and outbound fees incurred
through the submission of various fee collection messages.
Description: Members must settle all miscellaneous fees and charges by use
of the IPM Retrieval and Fee Collection/1740 message. The
fee collection message contains the information required for
members to process the miscellaneous fees and charges
identified and is used for a number of diverse applications.
The MDS generates this report to provide a summary detail of

Retrieval and Fee Collection messages received on the GCMS
Debit MasterCard inbound and outbound IPM format file.
This report includes various fee collection types with the

following Message Type Identifiers and Function Codes:
Retrieval Request Fees (1644 MTI-603 FNC)
Record Clearing Feesmember-and system-generated (1740
MTI- 700/783 FNC)
Handling Feesmember-generated (1740 MTI -700, 780-782
FNC)
Interchange Compliance Feessystem-generated (1740 MTI
-783 FNC)
The MDS also will provide a Net Fees Report Summary page
per processor, which lists the combined fee amounts incurred
inbound and outbound with a Net total of the inbound and
outbound fee amounts.
This report is by ICA number within processor number order.

This report is based upon activity. Therefore, if a fee
collection type has no activity, it will not be reported.
2006 MasterCard
Reports
Settlement Reports
Frequency: Daily

MasterCard OnLine.
Note There is a month-to-date version of this report (Debit MasterCard Miscellaneous

Billing ReportSWCHM501).
Refer to Table 3.7 for a description of the SWCHD586-A report fields.
Table 3.7SWCHD586-A Fields
Field Description
Header FieldDisplays at the top of all pages of the report
PROCESSOR The MDS assigned processor/member identification number and the processor
name.
Column HeadingsDisplay across the page, just below the Header fields
MTI The Message Type Identifier (MTI) identifies the general classification of a
standard ISO message type being interchanged. For retrieval and fee
collection messages:
1644 Retrieval Request Messagesent to acquirer by issuer
1740 Retrieval Fee Billing Messagesubmitted by acquirer
Oct
Together with Function Code (IPM DE 24) in the next column, these identifiers 2006
uniquely identify all transaction functions the clearing system performs.
FNC Function Code, indicates a messages specific purpose.
The following retrieval and fee collection messages, from IPM DE 24, are
included in this report.
603 Retrieval Request
700 Fee Collection (member-generated)
780 Fee Collection Return
781 Fee Collection Resubmission
782 Fee Collection Arbitration Return
783 Fee Collection (clearing system-generated)
Together with the MTI, these data elements uniquely identify all transaction
functions the clearing system performs.
ACQUIRING ICA The Interbank Card Association (member ID/ICA) number assigned by
MasterCard to identify a member that maintains the merchant relationship and
acquires the data relating to a transaction.
2006 MasterCard
Reports
Settlement Reports
Field Description
ISSUING ICA The Interbank Card Association (member ID/ICA) number assigned by
MasterCard to identify a member or processing endpoint of the card issuing
processor or institution.
PAN Primary Account Number. This is the cardholder number used to identify the
account being accessed during the transaction.
USAGE CODE Indicates the funds movement direction of a Fee Collection transaction on a
customer account. Valid values are:
19 credit to transaction originator
29 debit to transaction originator
REASON CODE Provides the message receiver with the reason that the message was sent.
For detailed reason code (DE 25) information, refer to the IPM Clearing
Formats manual.
FEE AMOUNT Represents all fee amounts associated with a transaction type, in USD currency
REVERSAL INDICATOR Originator must provide if this message is a single item reversal within a
normal clearing file. Valid values are:
R if message is a reversal of a previous message with no R.
Space if message is a reversal of a previous message with an R.
MESSAGE TEXT Message Text enables the member to provide additional data applicable to a
specific transaction type.
This information displays beneath the related information in the above Oct
2006
columns.
Total FieldDisplays in the center at the bottom of the page
TOTAL Net amount of all retrieval and fee collection charges incurred.
2006 MasterCard
SWCHD586-A GCMS04.1 M A S T E R C A R D D E B I T S W I T C H WORK OF 03/19/05
3-52
SMS3296D D E B I T M A S T E R C A R D C Y C L E - ALL PAGE 4
RUN DATE-TIME: 03/20/05 - 05:30:23 I N B O U N D F E E S R E P O R T
Reports
C U R R E N C Y 840
PROCESSOR: 9000012125 TEST MEMBER
===================================================================================================================================
Settlement Reports
MTI FNC ACQUIRING ISSUING PAN USAGE REASON FEE REVERSAL

ICA ICA CODE CODE AMOUNT INDICATOR
--------------------------------------------MESSAGE TEXT--------------------------------------------
===================================================================================================================================
1740 783 003999 006599 19 7800 813.15
MCBS - 0005195 OS - MERCHANT INVESTMENT 840 813.15 BILLING CYCLE DATE - MAR 18, 2005
1740 783 003999 006999 19 7800 116.78

1740 783 003999 007999 19 7800 1.00

MCBS - 0005477 DJ - DAILY MASTERCOM RETRIE 840 1.00 BILLING CYCLE DATE - MAR 18, 2005
1740 783 004999 009999 19 7800 41.24

1740 783 005999 009999 19 7800 46.66

1740 783 003939 009999 19 7800 1.89

Figure 3.30SWCHD586-A Inbound Fees Report (1 of 3)
1740 783 008989 009999 19 7800 105.88

1740 783 003999 009898 29 7802 .29CR

INTERCHANGE COMPLIANCE ADJUSTMENT FOR : 03/18/05
1740 783 004999 009999 29 7802 .34CR

INTERCHANGE COMPLIANCE ADJUSTMENT FOR : 03/18/05
TOTAL 9000012125 1,125.97
2006 MasterCard
RUN DATE-TIME: 03/20/05 - 05:30:23 O U T B O U N D F E E S R E P O R T
C U R R E N C Y 840
===================================================================================================================================
2006 MasterCard
MTI FNC ACQUIRING ISSUING PAN USAGE REASON FEE REVERSAL
ICA ICA CODE CODE AMOUNT INDICATOR
--------------------------------------------MESSAGE TEXT--------------------------------------------
===================================================================================================================================
1740 700 003999 009999 5108402099999999 19 7622 25.00CR
08 A 1 0303451081 030105 700 00000015828989890045
1740 700 003999 007777 5108401999999999 19 7622 25.00CR

08 A 1 0304218893 030205 700 00000015822509999903
1740 700 003999 008888 5108401599999999 19 7622 25.00CR

08 A 1 0304224420 030205 700 00000015822509999901

740 700 003999 009999 5108401799999999 19 7622 25.00CR
08 A 1 0304493753 030305 700 00000015822507490019
1740 700 003999 009999 5108401999999999 19 7622 25.00CR

08 A 1 0305714211 030405 700 00000015822999999023
1740 700 004999 008888 5108409999999991 19 7622 25.00CR

08 A 1 0307207185 030505 700 00000015822509999910
1740 700 004999 009999 5108402709999999 19 7622 25.00CR

08 A 1 0308636708 030705 700 00000015822509999906
Figure 3.31SWCHD586-A Outbound Fees Report (2 of 3)
1740 700 005999 009999 5108401699999999 19 7622 25.00CR

08 A 1 0309966402 030805 700 00000015822599999005
1740 700 009999 009999 5108409999999999 19 7622 25.00CR

08 A 1 0311042867 030805 700 00000015822507699999
1740 700 003999 008888 5108409999999999 19 7622 25.00CR

08 A 1 0311965361 030905 700 00000015822333444555
TOTAL 9000012125 250.00CR
3-53
Reports
Settlement Reports
3-54
Reports
RUN DATE-TIME: 03/20/05 - 05:30:23 N E T F E E S R E P O R T

C U R R E N C Y 840

Settlement Reports
NET TOTALS
===================================================================================================================================
TOTAL INBOUND 9000012125 1,125.97

TOTAL OUTBOUND 9000012125 250.00CR
NET TOTAL 9000012125 875.97

Figure 3.32SWCHD586-A Net Fees Report (3 of 3)
2006 MasterCard
Reports
Detail Activity Reports

Detail activity reports list the details of all financial and non-financial
transaction activity, regardless of the settlement day completion status that
occurred on the settlement day. The MDS provides these reports to assist
processors in research, tracking capabilities and transaction analysis.
Oct
Table 3.8 Lists the MDS Detail Activity reports name, and purpose by report 2006
number.
Table 3.8MDS Detail Activity Reports
Number Name Purpose

SWCHD53 Exception Audit Processors use this reports to ensure the
Report MDS has processed all exception items
and to track incoming and outgoing
exception items for the processor.
Processors should use the report to
initiate the research for representments
and to monitor for excessive chargebacks
that could be subject to sanction.
SWCHD55 Detailed Suspect Processors use this enriched report to
Items Report determine why a transaction failed. This
report can assist in the reconciliation
process by identifying the differences
between the processors internal reports
and the MDS reports.
SWCHD57/ Transaction Audit Reports With MDS Release 06.3, MasterCard will
SWCHD108 These reports are obsolete no longer send the Transaction Audit
but can be requested until ReportsSWCHD57 and SWCHD108 to
April 2007. members. These reports are obsolete
and will not be updated or modified in
future releases. Members may use the
250-byte Batch Data File as an alternate
reference to locate information that was
previously found in the Transaction
Audit Reports.
To allow more time to convert to the
250-byte Batch Data File format,
members may request to continue to
receive uninterrupted delivery of these
reports through 3 April 2007.
2006 MasterCard
Reports
Number Name Purpose

Oct
SWCHD118 Retrieval Request/ Debit MasterCard processors can use this 2006
Fulfillment Report report to track and monitor retrievals,
and to ensure that acquirers have
processed and fulfilled retrievals.
SWCHD141-1 Account File Updates This report gives MDS connected issuer
processors the ability to review
modifications made to card adjustment
files for card numbers residing on the
Banknet Stand-In Account file.
SWCHD141-2 Account Management This report gives MDS-connected issuer
File Updates processors the ability to review
modifications made to card adjustment
files for card numbers residing in the
MDS Banknet AMS (Account
Management System) repository.
SWCHD141-3 Recurring Payment This report gives MDS-connected issuer
Cancellation Service processors the ability to identify and
review all additions and changes to
Recurring Payment Cancellation Service
records.
SWCHD144 Maestro POS For issuers, the report sequence provides
Transaction Audit tracking capabilities and session
Report reporting analysis.
For acquirers, the report sequence
enables processors with multiple
corresponding members to review
transactions by Institution and Term ID.
SWCHD147-1 Negative File Updates This report gives members the ability to
track changes made to the MDS Stand-In
Negative Card file.
SWCHD147-2 VIP File Updates This report gives members the ability to
track changes made to the MDS Stand-In
VIP file.
SWCHD149 Stand-In Transaction For issuers, the report provides tracking
Audit Report capabilities for all transactions that the
MDS routed to Debit Stand-In during
periods the processor was unavailable
2006 MasterCard
Reports
Captured Card ReportSWCHD51Removed
Note Report SWCHD51Captured Card Report is obsolete and has been removed from
this manual.
2006 MasterCard
Reports
Exception Audit ReportSWCHD53

Purpose: Processors use this report to ensure the MDS has processed all
exception items and to track incoming and outgoing exception
items for the processor. Processors should use the report to
initiate the research for representments and to monitor for
excessive chargebacks that could be subject to sanction.
Description: This report details all exception items including same day
Reversal (auto-reversal) Adjustments, Chargebacks, and
Representments. The report contains summary totals (by
product, for all the exception items).
Exception items are included in the processors net daily

settlement and in the Daily Control ReportSWCHD363.
Exception items do not appear on the Transaction Audit
Report.
The MDS sequences the transactions in reversal code order

and segregates the report by acquiring and issuing processor.
Interchange type 2 appearing in the PROD TYPE field identifies

the ISIS transactions.
STND appearing in the RESP CODE field identifies the Stand-in

transactions.
Refer to Table 3.9 for a description of the SWCHD53 report Oct

2006
fields.
Frequency: Daily
Availability: Available through Global File Transfer.

Oct
2006
2006 MasterCard
Reports
Field ISO DE Description

Header FieldsDisplay at the top of all pages of the report.
PROCESSOR N/A The processor name.
PROCESOR ID N/A The MDS-assigned processor/member identification number.
Body FieldsDisplay in the body of the report. These fields repeat for each exception item.
PAN 2 Primary Account Number. This is the cardholder number used to identify
the account accessed during the transaction.
Oct
PROD TYPE 63 This field identifies the product accessed and the related interchange rate. 2006
Valid product type codes are:
MC MasterCard
CI Cirrus
MS Maestro
MD Debit MasterCard
MX Mondex chip card
PL PLUS
VI Visa
Valid interchange rate codes are:
0 U.S. and Canada Regions
1 Asia Pacific, Europe, Latin America and Middle East/Africa Regions
2 Intracountry (ISIS) format
Only products with activity display on the report.
MESS TYPE NA The identifier of the financial message type
Oct
CURR DATE 13 The calendar date the exception item occurred on the MDS. 2006
Format: MM-DD
CURR TIME 12 The start and end time for the exception item to complete on the MDS
system.
Format: HHMMSS
CURRENCY 49 The ISO-assigned currency code. Indicates the local currency used at the
terminal.
ADV REASON 60 Advice Reason Code. Indicates the specific purpose of an advice message.
Oct
SWCH DATE 7 The date the transaction was processed on the MDS system 2006
Format: MM-DD
SWCH TIME 7 The start and end time for the transaction to complete.
Format: HHMMSS
ORG SWCH SER NA The unique MDS assigned number for each transaction the system
processes.
2006 MasterCard
Reports

SWCH SERIAL 63 The unique MDS-assigned number identifying this adjustment.
STLMT DATE 15 System settlement date of the exception item
PROC CODE 3 The Processing Code describes the effect of a transaction on a cardholder
account, and the account type affected for the original transaction.
CONV RATE-A NA Currency Conversion rate used to convert local currency to settlement
currency where applicable.
The MDS does not provide this information for balance inquiry transactions.
TRACE NO. 11 The message initiator assigns a unique Trace Number to identify a
transaction. This represents the trace number of the original transaction.
ORG DATE 90 The date on which the transaction originally occurred on the MDS system.
ORG TIME 90 The time at which the transaction originally occurred on the MDS system.
Format: HHMMSS
Oct
ORG AMT 90 The amount settled in the original transaction.
2006
For the acquirer this amount displays in the designated acquirer processor
settlement currency, and for the issuer, the amount displays in the
designated issuer processor settlement currency.
REFERENCE NO 37 Identifies the serial number printed on the customer receipt.
ACQ REC DATE NA The original settlement date.
ACQ INST NAME NA The name of the bank/processor, including ATM and POS terminals,
acquiring the transaction.
NEW AMT 95 The amount to affect the exception item.
This amount displays to the acquirer in the acquirer processors designated
settlement currency, and to the issuer in the issuer processors designated
settlement currency.
RESP CODE-A NA The response code of the original transaction.
Refer to the NICS Users Guide for a response code listing.
TERMINAL ID 41 The unique ID assigned by the acquirer to each terminal.
ACQ LOC NA The physical location of the ATM or POS terminal.
REV DR AMT NA The amount reversed in the original transaction that results in a debit to the
cardholder, reporting in the issuer processors designated settlement
currency to the issuer, and in the acquirer processors designated settlement
currency to the acquirer.
RESP CODE - I NA The response code of the exception item.
ISS INST ID NA The issuing processors Routing and Transit Number (also known as the
ABA Number). This number identifies the card processor to the MDS.
2006 MasterCard
Reports

ACQ INST ID 32 The acquirer processors Routing and Transit Number (also known as the
ABA Number). This number identifies the acquirer to the MDS. It can
identify either an ATM or POS processor.
REV CR AMT NA The amount reversed in the original transaction that results in a credit to the
cardholder, displaying in the issuer processors designated settlement
currency to the issuer, and in the acquirer processors designated settlement
currency to the acquirer.
ADV REASON-A 60 The original Advice Reason Code indicating the specific purpose of an
advice message received for a transaction that did not complete as
authorized.
ISS PROC ID NA The MDS assigned processor number of the issuer involved in the
transaction.
ACQ PROC ID 33 The MDS assigned processor number of the acquirer involved in the
transaction.
STLMT AMT NA The new settlement amount after the adjustment. The settlement amount
will report to the acquirer in the acquirer processor s settlement currency,
and to the issuer in the issuer processors settlement currency.
ADV REASON-1 60 The original Advice Reason Code indicating the specific purpose of an
authorized.
ORG ISS ID NA The cardholder processor number contained in the original transaction.
ORG ACQ ID 33 The acquirer processor number contained in the original transaction.
STLMT CURRENCY NA The currency of the amount being settled to the acquirer or issuer processor.
The currency associate with the STLMT AMT.
USAGE CODE a Identifies the current cycle of the chargeback. Valid values are:
1 First Chargeback
2 Second Presentment
3 Arbitration Chargeback
6 Retrieval Request
7 Fulfillment
DOC IND a Specific requirements based on the cycle of the chargeback determines the
need for a member to provide supporting documentation.
Valid values are:
Blank No documentation will follow
1 Documentation will follow
REJ CODE a Reserved for future use.
2006 MasterCard
Reports

COND CODE a The condition code denotes how the acquirer originally processed the
transaction. Valid values are:
00 Online authorization, no PIN, PAN entry unknown
13 Online authorization, no PIN, PAN entry via magnetic stripe
18 Online authorization, no PIN, PAN entry via hand key
ADDITIONAL Used by the operator processing the adjustment to provide the receiving
DATA a member with specific information about the transaction. Can be the contact
name and number.
MERCH CODE a The Merchant Code is a classification code used to identify the type of
merchant.
EXCEPTION ITEM NA Identifies the type of exception item processed.
TYPE
TOTAL Total of all exception item types within a specific product type.
PRODUCT NA Product under which original transaction occurred.
TOTAL Represents the total of all product types within a specific exception item
type.
CASH BACK 54 The Cash Back amount information on a purchase transaction. Cash back
may be expressed in both local and designated acquirer or issuer settlement
currency.
This field displays only under certain conditions. If a transaction has an
Amount Type of 40 (in ISO DE 54), this field displays. If there is no Cash
Back activity, this field does not display.
a The product type determines if this field is present on the report.
2006 MasterCard
SWCHD53 M A S T E R C A R D D E B I T S W I T C H
E X C E P T I O N A U D I T R E P O R T WORK OF 03/10/06
A C Q U I R I N G P R O C E S S O R PAGE 1
PROCESSOR ID: 9000000112
PAN 0001131130000000005 PROD TYPE MS1
2006 MasterCard
MESS TYPE 0400 CURR DATE 03-10 CURR TIME 000845 000000 CURRENCY 840
ADV REASON 490 0010 SWCH DATE 03-10 SWCH TIME 000845 000000 ORG SWCH SER 405845003
SWCH SERIAL 408830005 STLMT DATE 03-10 PROC CODE 011000 CONV RATE 11000000
TRACE NO 018483 ORG DATE 03-02 ORG TIME 075106 ORG AMT 100.00
REFERENCE NO ADJ1 ACQ REC DATE 03-02 ACQ INST NAME US BANK - DHINESH NEW AMT 90.00
RESP CODE-A 00 0005625000000 TERMINAL ID ADJ1 ACQ LOC TROY MI REV DR AMT 10.00
RESP CODE-I ISS INST ID 1011311306 ACQ INST ID 1011211202 REV CR AMT .00
ADV REASON -A 490 0010 ISS PROC ID 9000000113 ACQ PROC ID 9000000112 STLMT AMT 10.00D
ADV REASON -I ORG ISS ID 9000000113 ORG ACQ ID 9000000112 STLMT CURRENCY 840
PAN 0001131130000000005 PROD TYPE MS1

Figure 3.33SWCHD53 Report (1 of 4)
REFERENCE NO ADJ2 ACQ REC DATE 03-02 ACQ INST NAME INDIAN BANK NEW AMT 1.85
RESP CODE-A 00 0005626000000 TERMINAL ID ADJ2 ACQ LOC MUMBAI IN REV DR AMT .46
ADV REASON -A 490 0010 ISS PROC ID 9000000113 ACQ PROC ID 9000000112 STLMT AMT .46D
PAN 0001131130000000005 PROD TYPE MS1

TRACE NO 018487 ORG DATE 03-02 ORG TIME 075114 ORG AMT .00
RESP CODE-A 00 0005629000000 TERMINAL ID ADJ5 ACQ LOC TROY MI REV DR AMT .00
RESP CODE-I ISS INST ID 1011311306 ACQ INST ID 1011211202 REV CR AMT 100.00
ADV REASON -A 490 0010 ISS PROC ID 9000000113 ACQ PROC ID 9000000112 STLMT AMT 101.00C
3-63
Reports
3-64
Reports
PAN 0001131130000000005 PROD TYPE MS1

REFERENCE NO 00920016 ACQ REC DATE 03-02 ACQ INST NAME US BANK - DHINESH NEW AMT 100.00
ORG CASH BACK 100.00
REPRESENTMENT
AUTO REVERSALS ADJUSTMENTS CHARGEBACKS REPRESENTMENTS REVERSALS TOTAL
CIRRUS 0 1 0 0 0 1
MAESTRO 0 4 0 0 0 4
TOTAL 0 5 0 0 0 5
Figure 3.34SWCHD53 Exception Audit Report (2 of 4)Acquiring Processor
2006 MasterCard
I S S U I N G P R O C E S S O R PAGE 1
PAN 0001131130000000005 PROD TYPE MS1
2006 MasterCard
RESP CODE-A 00 0005625000000 TERMINAL ID ADJ1 ACQ LOC TROY MI REV DR AMT .00
RESP CODE-I 00 0000000000000 ISS INST ID 1011311306 ACQ INST ID 1011211202 REV CR AMT 10.00
ADV REASON -A 490 0010 ISS PROC ID 9000000113 ACQ PROC ID 9000000112 STLMT AMT 10.00C
PAN 0001131130000000005 PROD TYPE MS1


TRACE NO 018487 ORG DATE 03-02 ORG TIME 075114 ORG AMT .00
RESP CODE-I 00 0000000000000 ISS INST ID 1011311306 ACQ INST ID 1011211202 REV CR AMT .00
PAN 0001131130200000003 PROD TYPE CI1

REFERENCE NO ADJ7 ACQ REC DATE 03-02 ACQ INST NAME BANK OF JORDAN NEW AMT 70.81
RESP CODE-I 00 0000000000000 ISS INST ID 1011311306 ACQ INST ID 1112030007 REV CR AMT .00
ADJ CDH BILL AMT 42.91D
Figure 3.35SWCHD53 Exception Audit Report (3 of 4)Issuing Processor
3-65
Reports
3-66
,, E X C E P T I O N A U D I T R E P O R T WORK OF 03/10/06
Reports
PAN 0001131130000000005 PROD TYPE MS1

REFERENCE NO 00920016 ACQ REC DATE 03-02 ACQ INST NAME US BANK - DHINESH NEW AMT 100.00
Figure 3.36SWCHD53 Exception Audit Report (4 of 4)Issuing Processor
2006 MasterCard
Reports
Detailed Suspect Items ReportSWCHD55

Purpose: Processors should use this enriched report to determine why a
transaction failed. This report can assist in the reconciliation
process by identifying the differences between the processors
internal reports and the MDS reports.
Description: This report is used to research transactions that did not

complete as requested, because of a denial by the processor or
the MDS, or a reversal by a processor as indicated by the
completion code. These transactions are included in the
Transaction Audit Report. One of the following scenarios
determines the failure of the transaction:
When transactions report to the Transaction Audit Report
with response codes of 00 (approved) but did not
complete as authorized as indicated by the Advice reason
code.
When transactions report to the Transaction Audit Report
with a denial response code indicating authorization has
been denied.
Not all response code scenarios report to the SWCHD55.

Response codes with an Online Status of S (switch denied), Oct
do not report to the SWCHD55. 2006
Both can be used to investigate the date and time sequence of

ATM and POS transactions.
The MDS sequences the suspect transactions in response code,

current date, and switch date order. The time stamp shown on
the report can assist the processor in determining at which
step the transaction failed.

Frequency: Daily

MasterCard OnLine.
Acquiring Processor and Cardholder Processor

Refer to Table 3.10 for a description of the SWCHD55 report fields.
2006 MasterCard
Reports

Body FieldsDisplay in the body of the report. These fields repeat for each transaction.
the account being accessed during the transaction.
Oct
MC MasterCard
CI Cirrus
MS Maestro
MD Debit MasterCard
MX Mondex chip card
PL PLUS
VI Visa
MESS TYPE mx The identifier of the financial message type
CURR DATE 7 The calendar date on which the transaction occurred on the MDS system
Format: MM-DD
CURR TIME 7 The start and end time for the transaction item to complete on the MDS
system.
Format: HHMMSS
CURRENCY 49 The ISO-assigned currency code. It indicates the local currency used at the
terminal.
SWCH SERIAL 63 The unique MDS-assigned number for each transaction that the system
processes.
SWCH DATE 7 The date the transaction was processed on the MDS system
Format: MM-DD
Format: HHMMSS
2006 MasterCard
Reports

CONV RATE - A 9 Currency Conversion rate used to convert local currency to settlement
currency where applicable. The MDS does not provide this information for
balance inquiry transactions.
TRACE NO 11 The message initiator assigns a unique Trace Number to identify a
transaction.
ACQ REC DATE 7 The original settlement date
Format: MM-DD
account and the account type affected.
REFERENCE NO 37 The serial number printed on the customer receipt.
STLMT DATE 7 The date the transaction was processed on the MDS system.
ACQ INST NAME 43 The name of the bank/processor, including ATM and POS terminals,
acquiring the transaction.
INTERCHG AMT 29 The Interchange Fee is the transferred fee between acquiring and card
processor in the currency of the acquirer settlement currency for the
acquirer, and the issuer settlement currency for the issuer.
2006 MasterCard
Reports

RESP CODE 39 The Response Code defines the disposition of a message. Possible response
codes are listed below:
00 Approved or completed successfully
04 Capture card
12 Invalid transaction
13 Invalid amount
14 Invalid card number
15 Invalid issuer
30 Format error
41 Lost card
43 Stolen card
51 Insufficient funds/over credit limit
54 Expired card
55 Invalid PIN
57 Transaction not permitted to issuer/cardholder
61 Exceeds withdrawal amount limit
62 Restricted card
75 Allowable number of PIN tries exceeded
78 Invalid or nonexistent account specified (general)
79 Invalid business date
80 System not available
91 Destination processor (customer processor system) not available
92 Unable to route transaction Oct
2006
96 System error
ADDITNL RESP 44 This displays additional supporting data pertaining to the response code
associated with the transaction.
ACQ LOC 43 The physical location of the ATM or POS terminal
COMP AMT LOCAL 4 The completed amount of the transaction in local currency. Local currency
is the currency of the acquirer. This amount does not include fees.
ADV REASON-A 60 The Advice Reason Code indicates the specific purpose of an advice
message sent by the issuer.
ISS INST ID mx The issuing processors Routing and Transit (ABA Number). This number
identifies the issuing processor to the MDS.
ACQ INST ID 32 The acquirer processors Routing and Transit Number; this is also known as
the ABA Number. This number identifies the acquirer to the MDS. It can
2006 MasterCard
Reports

COMP AMT 5 Completed amount in the designated acquirer settlement currency for the
acquirer, and the designated issuer settlement currency for the issuer. The
amount of funds to be transferred between the acquiring and cardholder
processor.
ADV REASON-I 60 The Advice Reason Code indicates the specific purpose of an advice
message sent by the acquirer.
ISS PROC ID mx The MDS-assigned processor number of the issuer involved in the
transaction
ACQ PROC ID 33 The MDS-assigned processor number of the acquirer involved in the
transaction
STLMT AMT mx The amount settled to the acquirer or issuer processor. This field may
contain a settlement value in addition to interchange fees.
POS ENTRY 22 The Point of Service entry mode indicates the method used to enter the PAN
into the terminal device and the PIN entry capability of that device.
POS DATA 61 The Point of Service (POS) data codes identify specific conditions present at
the point of service at the time a transaction takes place:
Customer presence indicator
Card presence indicator
Card retention indicator
Transaction status indicator
Transaction security indicator
Transaction routing indicator
Cardholder-activated terminal level indicator
Card data terminal input capability indicator
Authorization life cycle indicator
Country code indicator
Postal code indicator
STLMT CURRENCY mx The currency of the amount being settled to the acquirer or issuer processor.
The currency associated with STLMT AMT.
2006 MasterCard
3-72
D E T A I L E D S U S P E C T I T E M S WORK OF 03/16/06
Reports
PROCESSOR : TESTMEMBER
PAN 0005203340000000335 PROD TYPE CI0

SWCH SERIAL 105200013 SWCH DATE 03-15 SWCH TIME 000000 111539 CONV RATE 11000000
TRACE NO 000034 ACQ REC DATE 03-15 PROC CODE 012000
REFERENCE NO 00040043 STLMT DATE 03-16 ACQ INST NAME CHAZ' ACQ SIM LEASE LI INTERCHG AMT .00C
RESP CODE 30 ADDITNL RESP 0B030S02 ACQ LOC FARMINGTON MI COMP AMT LOCAL .00
ADV REASON-A ISS INST ID 1000095523 ACQ INST ID 1021000335 COMP AMT .00
ADV REASON-I ISS PROC ID 9000000033 ACQ PROC ID 9000000034 STLMT AMT .00C
POS ENTRY 071 TERMINAL ID 34GD POS DATA 10000000013 STLMT CURRENCY 840
PAN 0005203340000000335 PROD TYPE CI0

PAN 0005203340000000335 PROD TYPE MS1

PAN 0005203340000000335 PROD TYPE CI0

Figure 3.37SWCHD55 Detailed Suspect Items Report (1 of 2)Acquiring Processor
2006 MasterCard
D E T A I L E D S U S P E C T I T E M S WORK OF 03/16/06
PROCESSOR : TESTMEMBER
PAN 0005203340000000335 PROD TYPE CI0

2006 MasterCard
REFERENCE NO 00120002 STLMT DATE 03-16 ACQ INST NAME CHAZ' ACQ SIM LEASE LI INTERCHG AMT .00D
ADV REASON-I ISS PROC ID 9000000033 ACQ PROC ID 9000000034 STLMT AMT .00D
PAN 0005203340000000335 PROD TYPE CI0


PAN 0005203340000000335 PROD TYPE CI0

PAN 0005203340000000335 PROD TYPE CI0

Figure 3.38SWCHD55 Detailed Suspect Items Report (2 of 2)Issuing Processor
3-73
Reports
Reports
Transaction Audit ReportsSWCHD57 and SWCHD108
Oct
Note With MDS Release 06.3, MasterCard will no longer send the Transaction Audit 2006
ReportsSWCHD57 and SWCHD108 to members. These reports are obsolete
and will not be updated or modified in future releases. Members may use the
250-byte Batch Data File as an alternate reference to locate information that
was previously found in the Transaction Audit ReportsSWCHD57 and
SWCHD108.
To allow more time to convert to the 250-byte Batch Data File format, members
may request to continue to receive uninterrupted delivery of these reports
through 3 April 2007.
Purpose: For issuers, the report sequence provides tracking capabilities

and session (multiple transaction by account number)
reporting analysis.
For acquirers, the report sequence allows processors to review

transactions by institution and Terminal ID. (This may be
helpful for marketing analysis.)
Description: This report details all the financial and non-financial

transactions, regardless of completion status, that occurred on
the settlement day. The report is an audit listing of the data
elements contained in transaction messages. Processors
choosing not to receive this report will find the same
information in the auto-reconciliation file.
The SWCHD57 reports two lines of transaction information

detail, and the SWCHD108 reports one line of transaction
information detail.

Frequency: Daily
Note There are two versions of the Transaction Audit Report, the SWCHD57 two-line
format, and the SWCHD108 one-line format.
Refer to Table 3.11SWCHD57 Fields for a description of the SWCHD57

report fields.
2006 MasterCard
Reports

REC DATE 7 The date the transaction was processed on the MDS system
SWCH TIME 7 The time the transaction was processed on the MDS system
SWCH SERIAL 63 The unique number assigned by the MDS to each transaction that the system
NUMBER processes.
ACQ NAME 42 The name of the bank/processor acquiring the transaction. This includes
both ATM and POS terminals.
PROC CODE 3 Describes the effect of a transaction on a cardholder account and the
account type affected
transaction.
REF NO. 37 Identifies the serial number printed on the customer receipt.
ACQ LOCATION 43 The physical location of the ATM or POS terminal
TERM ID 41 The unique ID assigned by the acquirer to each terminal.
ADV REASON 60 The Advice Reason Code indicates the specific purpose of an advice
message.
CASH BACK 54 The Cash Back amount information on a purchase transaction
ACC CHG 28 U.S. only acquirers may apply an additional fee or a surcharge to an ATM
transaction. The acquirer must clearly present the surcharge amount to the
cardholder before completing the transaction. The surcharge is reported in
the Issuer settlement currency on the Issuer report, and in the Acquirer
settlement currency on the Acquirer report. The C or D indicates a
Credit or Debit surcharge amount.
PRO 33 The MDS-assigned processor number of the issuer and acquirer involved in
the transaction.
ISS INST MX The card processors Routing and Transit Number (also known as the ABA
Number). This number identifies the card processor to the MDS.
ACQ INST 32 The acquirer processors Routing and Transit Number (also known as the
ABA Number). This number identifies the acquirer to the MDS. It can
2006 MasterCard
Reports

Oct
PROD 63 This field identifies the product accessed and the related interchange rate. 2006
MC MasterCard
CI Cirrus
MS Maestro
MD Debit MasterCard
MX Mondex chip card
PL PLUS
VI Visa
CC 49 The ISO-assigned currency code. It indicates the local currency used at the
terminal.
CONV RATE ISSI 9 Currency conversion rate used to convert local currency to issuer processor
settlement currency where applicable. The MDS does not provide this
information for balance inquiry transactions.
CONV RATE ACQ 9 Currency conversion used to convert local currency to acquirer processor
settlement currency where applicable. The MDS does not provide this
information for balance inquiry transactions.
CP LOC 4 The completed amount of the transaction in local currency. Local currency
SETT 5 The settlement amount of the transaction in the settlement currency of the
Issuer for the Issuer report, and the Acquirer for the Acquirer report. This
amount includes fees. C or D indicates a credit or debit to the processor
indicated in the report title (such as cardholder or acquiring processor).
SETL CURR 49 The currency of the amount being settled to the acquirer or issuer processor.
COMP MX Completed amount in the settlement currency. On the Issuer report it is the
completed amount in Issuer settlement currency, and on the Acquirer report
it is the Acquirer settlement currency. The amount of funds to be
transferred between the acquiring and cardholder processor.
INT 29 The Interchange Fee transferred between the acquirer and card processor
displayed in the currency of the settlement amount where applicable. C or
D indicates Credit or Debit fee.
RESP CD 39 The Response Code defines the disposition of a message.
2006 MasterCard
T R A N S A C T I O N A U D I T R E P O R T SETTLEMENT DATE: 07/19/05
REC SWCH PROC TRACE CC -----------------AMOUNTS----------------
DATE SERIAL CODE NO. REF NO. PAN RESP ISS ISS INST TRN PRODUCT CMP LOCAL COMPLETED ACCESS
SWCH TIME ACQ NAME ACQ LOC TERM ID ADV RSN ACQ INST STL CONV RT CMP SETL CASH BACK INT
2006 MasterCard
07/18 201730007 000000 999998 0002222222000024587 00 435 222380359 840 MD0 5268 51.98 .00D
180911 WALT'S PIZZA INC. MARION IL 99999999 280 790016016 840 11013467 51.98C 0 .70D
07/18 201730008 000000 999998 0003333333335014176 00 435 222380359 840 MD0 826 8.09 .00D
180915 E-Z MART #139 GRAND SALINE TX 99999999 280 790063331 840 11021014 8.09C 0 .17D
07/18 201730009 000000 999998 0005854444444418411 00 435 222380359 840 MD0 7200 71.09 .00D
180920 ORCHARD VALLEY GOLF CO AURORA IL 80010001 280 790017345 840 11012801 71.09C 0 .91D
07/18 201730010 000000 999998 0005855555555592127 00 435 222380359 840 MD0 10536 104.10 .00D
180924 Thrifty Car Rental Warwick RI 10000000 280 790076933 840 11012104 104.10C 0 1.26D

07/18 201730011 000000 999998 0005850666666665997 00 435 222380359 840 MD0 2752 27.09 .00D
180929 PERKINS REST 03935509 CLEARWATER FL 000 280 790010193 840 11015873 27.09C 0 .43D
07/18 201730012 000000 999998 00058777777075013962 00 435 222380359 840 MD0 1600 15.68 .00D
180933 E-Z MART #139 GRAND SALINE TX 99999999 280 790063331 840 11020408 15.68C 0 .32D
07/18 201730013 000000 999998 0005811111020719851 00 435 222380359 840 MD0 1655 16.25 .00D
180937 PERKINS REST 03935509 CLEARWATER FL 000 280 790010193 840 11018462 16.25C 0 .30D
07/18 201730014 000000 999998 0005850111110027054 00 435 222380359 840 MD0 1670 16.40 .00D
180941 QDOBA #267 00402Q71 ST JOESPH MI 000 280 790010193 840 11018293 16.40C 0 .30D
07/18 201730015 000000 999998 0005851111111114692 00 435 222380359 840 MD0 12889 126.19 .00D
180946 Ramada Inn & Conferenc Dunkirk NY 10000000 280 790076933 840 11021396 126.19C 0 2.70D
07/18 201730016 000000 999998 0005851111110015410 00 435 222380359 840 MD0 5209 51.56 .00D
180950 PETRO #30 TRAVL CENTER GLENDALE KY 99999999 280 790063331 840 11010279 51.56C 0 .53D
07/18 201730017 000000 999998 0005853333004104788 00 435 222380359 840 MD0 4021 39.64 .00D
180954 SAM GOODY 03904547 MANHATTAN KS 003 280 790010193 840 11014379 39.64C 0 .57D
07/18 201730018 000000 999998 0005855555971076693 00 435 222380359 840 MD0 700 6.85 .00D
180959 IRON SKILLET #7 AMARILLO TX 99999999 280 790016016 840 11021898 6.85C 0 .15D
Figure 3.39SWCHD57 Transaction Audit Report (1 of 2)Acquiring Processor
3-77
Reports
3-78
T R A N S A C T I O N A U D I T R E P O R T SETTLEMENT DATE: 07/19/05
Reports

REC SWCH PROC TRACE CC -----------------AMOUNTS----------------
DATE SERIAL CODE NO. REF NO. PAN RESP ACQ ISS INST TRN PRODUCT CMP LOCAL COMPLETED ACCESS
07/18 201730007 000000 999998 0005811111111024587 00 084 222380359 840 MD0 5268 51.98 .00D
180911 WALT'S PIZZA INC. MARION IL 99999999 290 790016016 840 11000000 51.98D 0 .70C
07/18 201730008 000000 999998 0005851111115014176 00 084 222380359 840 MD0 826 8.09 .00D
180915 E-Z MART #139 GRAND SALINE TX 99999999 290 790063331 840 11000000 8.09D 0 .17C
07/18 201730009 000000 999998 0005850111111118411 00 084 222380359 840 MD0 7200 71.09 .00D
180920 ORCHARD VALLEY GOLF CO AURORA IL 80010001 290 790017345 840 11000000 71.09D 0 .91C
07/18 201730010 000000 999998 0005850811111112127 00 084 222380359 840 MD0 10536 104.10 .00D
180924 Thrifty Car Rental Warwick RI 10000000 290 790076933 840 11000000 104.10D 0 1.26C
07/18 201730011 000000 999998 0005850222222265997 00 084 222380359 840 MD0 2752 27.09 .00D
180929 PERKINS REST 03935509 CLEARWATER FL 000 290 790010193 840 11000000 27.09D 0 .43C
07/18 201730012 000000 999998 0005850222222213962 00 084 222380359 840 MD0 1600 15.68 .00D
180933 E-Z MART #139 GRAND SALINE TX 99999999 290 790063331 840 11000000 15.68D 0 .32C
07/18 201730013 000000 999998 0005850822222222251 00 084 222380359 840 MD0 1655 16.25 .00D
180937 PERKINS REST 03935509 CLEARWATER FL 000 290 790010193 840 11000000 16.25D 0 .30C
07/18 201730014 000000 999998 0005854444444027054 00 084 222380359 840 MD0 1670 16.40 .00D
180941 QDOBA #267 00402Q71 ST JOESPH MI 000 290 790010193 840 11000000 16.40D 0 .30C
07/18 201730015 000000 999998 0005850444444484692 00 084 222380359 840 MD0 12889 126.19 .00D
180946 Ramada Inn & Conferenc Dunkirk NY 10000000 290 790076933 840 11000000 126.19D 0 2.70C
07/18 201730016 000000 999998 0005850866666615410 00 084 222380359 840 MD0 5209 51.56 .00D
180950 PETRO #30 TRAVL CENTER GLENDALE KY 99999999 290 790063331 840 11000000 51.56D 0 .53C
07/18 201730017 000000 999998 0005850877777777788 00 084 222380359 840 MD0 4021 39.64 .00D
180954 SAM GOODY 03904547 MANHATTAN KS 003 290 790010193 840 11000000 39.64D 0 .57C
07/18 201730018 000000 999998 0005850888888876693 00 084 222380359 840 MD0 700 6.85 .00D
180959 IRON SKILLET #7 AMARILLO TX 99999999 290 790016016 840 11000000 6.85D 0 .15C
Figure 3.40SWCHD57 Transaction Audit Report (2 of 2)Issuing Processor
2006 MasterCard
Reports

Sort sequences are as follows:
For acquiring processors:
Acquiring Routing/Transit Number
Terminal ID
Date
Time
For cardholder processors:
PAN
Date
Time order

Oct
Header FieldsDisplay at top of all pages of the report. 2006
ACQ INST 32 The acquirer processors Routing and Transit Number; this is also known as
ISS PRO/ACQ PRO 33 The MDS assigned processor number of the issuer or acquirer involved in
the transaction.
DATE/TIME 7 The date and time the transaction occurred on the MDS system.
PROC CD 3 The Processing Code describes the effect of a transaction on a cardholder
account and the account affected.
TRACE 11 The message initiator assigns a unique Trace Number to identify a
transaction.
2006 MasterCard
Reports

RESP CODE 39 The Response Code defines the disposition of a message.
ADVICE REASON 60 The Advice Reason Code defines the specific purpose of an advice message.
CMP AMT 5 The completed amount in the settlement currency. On the Issuer report it is
SETTLEMENT the Issuer settlement currency, and on the Acquirer report, it is the Acquirer
settlement currency. The amount of funds transferred between the
acquiring and cardholder processor. This amount does not include fees.
SETTLEMENT CC 49 The ISO assigned currency code. It indicates the settlement currency of the
issuer in the issuer report, and the acquirer in the acquirer report.
CMP AMT LOCAL 4 The completed amount of the transaction in local currency. Local currency
Oct
PROD CODE 63 This field identifies the product accessed and the related interchange rate.
2006
MC MasterCard
CI Cirrus
MS Maestro
MD Debit MasterCard
MX Mondex chip card
PL PLUS
VI Visa
ACCESS CHARGE 28 U.S. only acquirers may apply an additional fee or a surcharge to an ATM
transaction. The acquirer must clearly present the surcharge amount to the
cardholder before completing the transaction. The surcharge is reported in
the Issuer settlement currency on the Issuer report, and in the Acquirer
settlement currency on the Acquirer report. The C or D indicates a
Credit or Debit surcharge amount.
INTER FEE 29 The Interchange Fee is the transferred fee between acquiring and card
processor in the settlement currency of the Issuer on the Issuer report, and
in the settlement currency of the Acquirer on the Acquirer report. C or
D indicates a Credit or Debit fee.
2006 MasterCard
REPORT 1 T R A N S A C T I O N A U D I T R E P O R T SETTLEMENT DATE: 03/16/06
ISS PROC RSP ADVICE CMP AMT STL CMP AMT PROD ACCESS INTER
ACQ INST TERM ID PRO DATE/TIME PAN CODE TRACE CDE REASON SETTLEMENT CC LOCAL CODE CHARGE FEE
2006 MasterCard
840001104,LK398876 509 0402061740 0005465272500068350 012000 269083 00 201.75 840 201.75 MS0 1.75 .50C
840001104 LK398876 509 0402061749 0005510703041820185 012000 269243 00 41.75 840 41.75 MS0 1.75 .50C
840001104 LK398876 509 0402062112 0005081810029193805 011000 272975 00 101.75 840 101.75 MS0 1.75 .50C
840001104 LK398876 509 0403060644 0005262192026516747 011000 275829 00 21.75 840 21.75 MS0 1.75 .50C
840001104 LK398932 484 0402062339 0005189191151040713 301000 274549 00 .00 840 .00 CI0 .00 .25C
840001104 LK398936 509 0402061540 0005858211042301155 011000 166320 54 .00 840 .00 MS0 .00 .25C
840001104 LK398967 024 0402061509 5833901111265066609 011000 165566 00 21.75 840 21.75 CI0 1.75 .50C
840001104 LK398980 509 0402061553 0005262188478945962 012000 166632 00 41.75 840 41.75 MS0 1.75 .50C
840001104 LK398980 509 0402061753 0005262188521182886 011000 269325 00 81.75 840 81.75 MS0 1.75 .50C
840001104 LK398983 323 0402061644 0004315820001607004 012000 267829 00 21.75 840 21.75 CI0 1.75 .50C
840001104 LK398983 323 0402061652 0004315820001607004 012000 268026 00 21.75 840 21.75 CI0 1.75 .50C
840001104 LK398983 060 0402062109 0005182210000068696 013000 272933 00 41.75 840 41.75 MC0 1.75 .50C

840001104 LK398983 509 0402062207 0005262192020461718 012000 273710 00 21.75 840 21.75 MS0 1.75 .50C
840001104 LK398983 509 0402062207 0005262192020461718 302000 273727 00 .00 840 .00 MS0 .00 .25C
840001104 LK398990 509 0402061509 0005262196032761163 012000 165560 00 21.75 840 21.75 MS0 1.75 .50C
***** SUSPECT TRANSACTION FOLLOWS *****
840001104 LK398990 509 0402061558 0005262191029085171 012000 166749 00 4500018 .00 840 .00 MS0 .00 .25C
840001104 LK398990 509 0402061559 0005262191029085171 012000 166776 00 101.75 840 101.75 MS0 1.75 .50C
840001104 LK398990 509 0402061707 0005262196003411756 012000 268333 00 21.75 840 21.75 MS0 1.75 .50C
840001104 LK398990 509 0402061745 0005262191030830243 012000 269180 00 101.75 840 101.75 MS0 1.75 .50C
840001104 LK398990 509 0402061831 0000062188984797272 012000 270100 00 201.75 840 201.75 MS0 1.75 .50C
840001104 LK398990 509 0402062250 0005262193023387728 012000 274153 00 81.75 840 81.75 MS0 1.75 .50C
840001104 LK398990 509 0403060655 0005262188768073210 011000 275878 00 21.75 840 21.75 MS0 1.75 .50C
840001104 LK399009 724 0402061758 0005443687703766798 302000 269439 00 .00 840 .00 MS0 .00 .25C
840001104 LK416131 509 0402061720 0005262188385292839 012000 268628 00 41.75 840 41.75 MS0 1.75 .50C
840001104 LK416131 509 0402062006 0005262193018310040 011000 271906 00 41.75 840 41.75 MS0 1.75 .50C
840001104 LK479834 057 0402061705 0005121079640984651 013000 268298 00 81.75 840 81.75 MC0 1.75 .50C
840001104 LK479834 057 0402061721 0005121079640984651 013000 268647 57 .00 840 .00 MC0 .00 .25C
840001104 LK479834 057 0402061721 0005121079640984651 013000 268658 57 .00 840 .00 MC0 .00 .25C
840001104 LK479834 057 0402061722 0005121079640984651 013000 268676 00 21.75 840 21.75 MC0 1.75 .50C
840001104 LK479838 509 0402061925 0005858211901171970 012000 271196 00 201.75 840 201.75 MS0 1.75 .50C
840001104 LK479839 509 0402061616 0005510702045461723 012000 267143 00 101.75 840 101.75 MS0 1.75 .50C
840001104 LK479839 509 0402061702 0005362188443981471 012000 268212 55 .00 840 .00 MS0 .00 .25C
840001104 LK479839 509 0402061702 0005362188443981471 012000 268231 00 101.75 840 101.75 MS0 1.75 .50C
840001104 LK479839 724 0402061710 0005443687700171406 012000 268394 00 101.75 840 101.75 MS0 1.75 .50C
Figure 3.41SWCHD108 Transaction Audit Report (1 of 2)Acquiring Processor
840001104 LK479848 509 0402061553 0005858213045888436 011000 166628 00 101.75 840 101.75 MS0 1.75 .50C
840001104 LK479848 509 0402061554 0005262191031518185 012000 166646 00 81.75 840 81.75 MS0 1.75 .50C
840001104 LK479848 509 0402061604 0005858213045888436 011000 266889 00 101.75 840 101.75 MS0 1.75 .50C
840001104 LK479848 509 0402061607 0005858213045888436 011000 266957 00 101.75 840 101.75 MS0 1.75 .50C
3-81
Reports
3-82
REPORT 1 T R A N S A C T I O N A U D I T R E P O R T SETTLEMENT DATE: 03/12/06
Reports

PROC ACQ ACQ RSP ADVICE CMP AMT STL CMP AMT PROD ACCESS INTER
PAN CODE PRO DATE/TIME INST-ID TERM ID TRACE CDE REASON SETTLEMENT CC LOCAL CODE CHARGE FEE
0005500900000000005 202000 004 0317061100 021000047 4GD 000057 00 25.00 840 25.00 CI0 1.50 .00
0005500900000000005 203000 004 0317061100 021000047 4GD 000059 00 26.00 840 26.00 CI0 1.50 .00
0005500900000000005 200000 004 0317061100 021000047 4GD 000061 00 27.00 840 27.00 CI0 1.50 .00
0005500900000000005 280010 004 0317061100 021000047 4GD 000063 00 28.00 840 28.00 CI0 1.50 .50C
0005500900000000005 280020 004 0317061100 021000047 4GD 000065 00 29.00 840 29.00 CI0 1.50 .51C
0005500900000000005 280030 004 0317061100 021000047 4GD 000067 00 30.00 840 30.00 CI0 1.50 .53C
0005500900000000005 280000 004 0317061100 021000047 4GD 000069 00 31.00 840 31.00 CI0 1.50 .54C
0005500900000000005 501000 004 0317061100 021000047 4GD 000071 00 32.00 840 32.00 CI0 1.50 .00
0005500900000000005 502000 004 0317061100 021000047 4GD 000073 00 33.00 840 33.00 CI0 1.50 .00
0005500900000000005 503000 004 0317061100 021000047 4GD 000075 00 34.00 840 34.00 CI0 1.50 .00
0005500900000000005 500000 004 0317061100 021000047 4GD 000077 00 35.00 840 35.00 CI0 1.50 .00
0005500900000000005 001000 004 0317061100 021000047 4GD 000079 00 36.00 840 36.00 MS0 1.50 .42C
0005500900000000005 002000 004 0317061100 021000047 4GD 000081 00 37.00 840 37.00 MS0 1.50 .43C
0005500900000000005 003000 004 0317061100 021000047 4GD 000083 00 38.00 840 38.00 MS0 1.50 .44C
0005500900000000005 000000 004 0317061100 021000047 4GD 000085 00 39.00 840 39.00 MS0 1.50 .44C
0005500900000000005 901000 004 0317061101 021000047 4GD 000087 00 .00 840 .00 MS0 1.50 .00
0005500900000000005 902000 004 0317061101 021000047 4GD 000089 00 .00 840 .00 MS0 1.50 .00
0005500900000000005 903000 004 0317061101 021000047 4GD 000091 00 .00 840 .00 MS0 1.50 .00
0005500900000000005 900000 004 0317061101 021000047 4GD 000093 00 .00 840 .00 MS0 1.50 .00
0005500900000000005 401020 004 0317061101 021000047 4GD 000095 00 .00 840 40.00 CI0 1.50 .25
0005500900000000005 402010 004 0317061101 021000047 4GD 000097 00 .00 840 41.00 CI0 1.50 .25
0005500900000000005 210010 004 0317061615 021000047 4GD 000102 00 10.00 840 10.00 CI0 1.50 1.25
0005500900000000005 210020 004 0317061615 021000047 4GD 000104 00 11.00 840 11.00 CI0 1.50 1.25
0005500900000000005 301000 004 0317061615 021000047 4GD 000106 00 .00 840 .00 MS0 1.50 .00
0005500900000000005 300000 004 0317061615 021000047 4GD 000108 00 .00 840 .00 MS0 1.50 .00
0005500900000000005 302000 004 0317061615 021000047 4GD 000110 00 .00 840 .00 MS0 1.50 .00
0005500900000000005 303000 004 0317061616 021000047 4GD 000112 00 .00 840 .00 MS0 1.50 .00
0005500900000000005 300000 004 0317061616 021000047 4GD 000114 00 .00 840 .00 MS0 1.50 .00
0005500900000000005 001000 004 0317061616 021000047 4GD 000116 00 12.00 840 12.00 MS0 1.50 .24C
0005500900000000005 002000 004 0317061616 021000047 4GD 000118 00 13.00 840 13.00 MS0 1.50 .25C
0005500900000000005 003000 004 0317061616 021000047 4GD 000120 00 14.00 840 14.00 MS0 1.50 .26C
0005500900000000005 000000 004 0317061616 021000047 4GD 000122 00 15.00 840 15.00 MS0 1.50 .26C
0005500900000000005 011000 004 0317061616 021000047 4GD 000124 00 16.00 840 16.00 CI0 1.50 .50
0005500900000000005 012000 004 0317061616 021000047 4GD 000126 00 17.00 840 17.00 CI0 1.50 .50
0005500900000000005 013000 004 0317061616 021000047 4GD 000128 00 18.00 840 18.00 CI0 1.50 .50
Figure 3.42SWCHD108 Transaction Audit Report (2 of 2)Issuing Processor
0005500900000000005 010000 004 0317061616 021000047 4GD 000130 00 19.00 840 19.00 CI0 1.50 .50
0005500900000000005 001000 004 0317061616 021000047 4GD 000132 00 20.00 840 20.00 MS0 1.50 .30C
0005500900000000005 002000 004 0317061616 021000047 4GD 000134 00 21.00 840 21.00 MS0 1.50 .31C
0005500900000000005 003000 004 0317061616 021000047 4GD 000136 00 22.00 840 22.00 MS0 1.50 .32C
2006 MasterCard
Reports
Retrieval Request/Fulfillment ReportSWCHD118

Purpose: Debit MasterCard processors can use this report to track
retrievals, to monitor retrievals, and to ensure that acquirers
have processed and fulfilled retrievals.
Description: This report details retrieval requests and fulfillments, and

contains summary totals, by product, for all the items.
The MDS sequences the transactions according to reversal

code.
Frequency: Daily

MasterCard OnLine.
Cardholder Processor

Body FieldsDisplay in the body of the report. These fields repeat for each item.
the transactions assessed account.
2006 MasterCard
Reports

Oct
MC MasterCard
CI Cirrus
MS Maestro
MD Debit MasterCard
MX Mondex chip card
PL PLUS
VI Visa
MESS TYPE NA The identifier of the financial message type
CURR DATE 13 The calendar date the exception item occurred on the MDS.
CURR TIME 12 The start and end time for the exception item to complete on the MDS
system.
Format: HHMMSS
CURRENCY 49 The ISO assigned currency code. It indicates the local currency used at the
terminal.
ADV REASON 60 Advice Reason Code. Indicates the specific purpose of an advice message.
The last two digits of the Advice Reason Code indicates the Reversal Reason
Code.
SWCH DATE 7 The date the transaction was processed on the MDS system.
Format: HHMMSS
ORG SWCH SER NA The unique number assigned by the MDS to each transaction processed in
the system.
SWCH SERIAL 63 The unique number assigned by the MDS to identify this adjustment.
STLMT DATE 15 System settlement date of the exception item
account, and the account type affected for the original transaction.
CONV RATE-A NA Currency Conversion rate used to convert local currency to settlement
currency where applicable. The MDS does not provide this information for
2006 MasterCard
Reports

transaction. This represents the trace no. of the original transaction.
ORG DATE 90 The date on which the transaction originally occurred on the MDS system
ORG TIME 90 The time at which the transaction originally occurred on the MDS system
The format is HHMMSS
REFERENCE NO 37 Identifies the serial number printed on the customer receipt.
ACQ REC DATE NA The original settlement date
ACQ INST NAME NA The name of the bank/processor acquiring the transaction. This includes
ORG AMT 90 The amount that was settled in the original transaction
RESP CODE-A NA The response code of the original transaction.
ACQ LOC NA The physical location of the ATM or POS terminal
NEW AMT 95 The amount to affect the exception item. This will be the acquirer processor
settlement currency for the acquirer, and the issuer processor settlement
currency for the issuer.
RESP CODE - I NA The response code of the exception item
ISS INST ID NA The issuing processors Routing and Transit (ABA Number.) This number
identifies the issuing processor to the MDS.
ACQ INST ID 32 The acquirer processors Routing and Transit Number; this is also known as
REV DR AMT NA The amount reversed in the original transaction that results in a debit to the
cardholder, reporting in the issuer processors settlement currency to the
issuer, and in he acquirer processors settlement currency to the acquirer.
ORG ADV RSN-A 60 The original Advice Reason Code indicating the specific purpose of an
authorized.
ISS PROC ID NA The MDS assigned processor number of the issuer involved in the
transaction.
ACQ PROC ID 33 The MDS assigned processor number of the acquirer involved in the
transaction.
STLMT AMT NA The new settlement amount after the adjustment. The settlement amount
will report to the acquirer in the acquirer processors settlement currency,
and to the issuer in the issuer processors settlement currency. The
settlement amount includes the reimbursed portion of the interchange fee.
2006 MasterCard
Reports

REV CR AMT NA The amount reversed in the original transaction that results in a credit to the
cardholder, reporting in the issuer processors settlement currency to the
issuer, and in the acquirer processors settlement currency to the acquirer.
ORG ADV RSN-I 60 The original Advice Reason Code indicating the specific purpose of an
authorized.
ORG ISS ID NA The cardholder processor number contained in the original transaction
ORG ACQ ID 33 The acquirer processor number contained in the original transaction
STLMT CURRENCY NA The currency of the amount being settled to the acquirer or issuer processor.
USAGE CODE a The usage code is used to identify the current cycle of the chargeback.
6 Retrieval Request
7 Fulfillment
DOC IND a Specific requirements based on the cycle of the chargeback determines the
need for a member to provide supporting documentation.
Blank No documentation will follow
1 Documentation will follow
REJ CODE a Reserved for future use
COND CODE a The condition code denotes how the acquirer originally processed the
transaction.
00 Online authorization, no PIN, PAN entry unknown
18 Online authorization, no PIN, PAN entry via magnetic stripe
Online authorization, no PIN, PAN entry via hand key
ADDITIONAL Used by the operator processing the adjustment to provide the receiving
DATA a member with specific information about the transaction. Can be the contact
name and number.
MERCH CODE a The Merchant Code is a classification code used to identify the type of
merchant.
Total FieldsDisplay across the bottom of the page for each item.
EXCEPTION ITEM NA Identifies the type of exception item processed.
TYPE Retrieval Requests-Provides the number of retrieval requests for the Debit
RETRIEVAL MasterCard and a grand total.
REQUESTS Fulfillments-Provides the number of fulfilled retrieval requests for Debit
FULLFILLMENTS MasterCard and a grand total.
TOTAL Provides the total amount number of retrieval requests and fulfillments for
Debit MasterCard and a grand total amount
a The product type determines if this field is present on the report.
2006 MasterCard
R E T R I E V A L R E Q U E S T / F U L F I L L M E N T R E P O R T WORK OF 03/23/05
PAN 0001111111111111111 PROD TYPE MD0

MESS TYPE 0420 CURR DATE 03-22 CURR TIME 134615 134615 CURRENCY CODE 840
2006 MasterCard
TRACE NO 999999 ORG DATE 03-18 ORG TIME 091929 ORG AMT 1,000.00
REFERENCE NO ACQ REC DATE 03-11 ACQ INST NAME TEST INSTITUTION 2 NEW AMT 1,000.00
RESP CODE-A 00 0A3RDAK000000 TERMINAL ID 99999999 ACQ LOC HAMILTON OH REV DR AMT .00
RESP CODE-I 30 010A3RDAK0000 ISS INST ID 1011111111 ACQ INST ID 1077777777 REV CR AMT .00
USAGE CODE 6 DOC IND 2 REJ CODE COND CODE 0110009090
ADDITIONAL DATA MERCH CODE 6010
RETRIEVAL REQUESTS FULFILLMENTS TOTAL

MASTERCARD DEBIT 1 0 1

TOTAL 1 0 1
Figure 3.43SWCHD118 Retrieval Request/Fulfillment Report (Page 1 of 2)Acquiring Processor
3-87
Reports
3-88
R E T R I E V A L R E Q U E S T / F U L F I L L M E N T R E P O R T WORK OF 03/23/05
Reports

PAN 0002222222222222222 PROD TYPE MD1

MESS TYPE 0400 CURR DATE 05-16 CURR TIME 120045 120045 CURRENCY CODE 978
TRACE NO 999999 ORG DATE 04-22 ORG TIME 061702 ORG AMT 2,637.92
REFERENCE NO ACQ REC DATE 04-20 ACQ INST NAME TEST INSTITUTION 5 NEW AMT 2,637.92
RESP CODE-A 00 0375903000000 TERMINAL ID 01002021 ACQ LOC 75PARIS FRA REV DR AMT .00
RESP CODE-I 0103759030000 ISS INST ID 1033333333 ACQ INST ID 1055555555 REV CR AMT .00
USAGE CODE 6 DOC IND 1 REJ CODE COND CODE 0110000090
ADDITIONAL DATA MERCH CODE 5812
RETRIEVAL REQUESTS FULFILLMENTS TOTAL

MASTERCARD DEBIT 2 0 2
TOTAL 2 0 2
Figure 3.44SWCHD118 Retrieval Request/Fulfillment Report (Page 2 of 2)Issuing Processor
2006 MasterCard
Reports
Account File UpdatesSWCHD141-1

Purpose: This report gives MDS-connected issuer processors the ability
to review modifications made to card adjustment files for card
numbers residing on the Banknet Stand-In Account File.
Description: This report provides an audit trail of Online File Update

messages sent to the Banknet telecommunications network
by NICS or Online message sending methods. Card number
records added, changed, or deleted by the MDS, appear daily
in this report.
The report logs record updates by Processor ID if multiple

processors are owned, and then by PAN and Switch Date/Time
values in ascending order.
Frequency: Daily

MasterCard OnLine.
Refer to Table 3.14 for a description of the SWCHD141-1 report fields.
Table 3.14SWCHD141-1 Fields

Column HeadingsDisplay across the page, just below the Header fields.
PAN 2 The column lists the Primary Account Number associated with the card
record that was updated.
TRACE 11 Every file update request message is assigned a unique identification
NUMBER number called a Trace Number. This number provides a message trail
between message initiators and the Banknet telecommunications network
and MDS Stand-In processes.
2006 MasterCard
Reports

TYPE OF UPDATE 91 This column specifies the action that issuing processors took in regard to
(ADDITIONAL card number records residing in the Banknet Stand-In Account File and AMS
RESPONSE DATA) repository. Valid update types include:
MCC102 Add, Change, and Delete
ADDITIONAL RESPONSE DATA
If an error condition exists, ERROR, appears in this column.
Error Codes
120001
The PAN received was not numeric.
The BIN in the PAN was not on file.
The BIN did not belong to the message initiator.
The check digit of the PAN was incorrect.
The PAN received was not on the account file.
120002
The Entry reason was not P, L, S, X, O, F, V, G, C, or U.
120005
The PIN length was not numeric or contained spaces.
120006
The Entry Reason was V, but the VIP Transaction Amount was not
numeric.
REASON 120 This column lists the reason why the card number was reported.
CODE Valid Reason Codes for MCC102 File Updates
C Credit
F Fraud
G Gold
L Lost
O Other
P Capture Card
S Stolen
U Unauthorized
V VIP Status
X Counterfeit
MCI CUST ID 120 This column displays the Issuer ICA number that MasterCard assigned.
SWITCH DATE 7 This is the date that the update was made to the file (format: MM/DD/YY).
SWITCH TIME 7 This is the time of the day that the update was made to the file (format:
HHMMSS).
VIP TRANS 120 This column displays the maximum monetary amount that can be authorized
AMOUNT by MasterCard Stand-In processing in a four-day period. This amount is set
in the MCC102 Banknet telecommunications network file.
2006 MasterCard
Reports

CURRENCY 120 An ISO currency code appears in this field and indicates the currency of the
CODE money reported in the VIP TRANS AMOUNT column. This currency is set in
the MCC102 Banknet telecommunications network file.
RESP CODE 120 This column displays the issuers response code.
Issuer Response Codes
00 Completed successfully
25 Unable to locate record on file
27 File update field edit error
30 Format error
40 Requested function not supported
80 Duplicate add, action not performed
96 System error
MESSAGE NA There are two methods for updating the Banknet telecommunications
SOURCE network AMS and MDS Stand-In database files. The first method is to make
card adjustments using the NICS application (MASTERCARD DEBIT
HOTCARD FACILITY). The second method allows issuing processors to
bypass the NICS application and send 0302 online messages directly to the
Banknet telecommunications network through the MDS.
Interface Values
NICS A NICS user performed the file update.
ONLINE A processor sent the file update to the MDS or Banknet
telecommunications network through a 0302 online message.
GROUP NA This column applies only to file updates with a NICS Message Source,
NUMBER and identifies the NICS user group responsible for the file update.
USER NA This column applies only to file updates with a NICS Message Source,
NUMBER and identifies the NICS user who made the file update.
2006 MasterCard
SWCHD141-1 M A S T E R C A R D D E B I T S Y S T E M
3-92
B A N K N E T A M S WORK OF 04/25/05
A C C O U N T F I L E U P D A T E S PAGE 1
Reports
PROCESSOR : TEST BANK #1

TRACE TYPE OF REASON MCI SWITCH SWITCH VIP CURRENCY RESP MESSAGE GROUP USER
PAN NUMBER UPDATE CODE CUST ID DATE TIME TRANS AMOUNT CODE CODE SOURCE NUMBER NUMBER
-----------------------------------------------------------------------------------------------------------------------------------
5411212123434015 364013 ERROR * S 002202 04/25/05 125643 27 NICS 9999 999
* ADDITIONAL RESPONSE DATA: 06120001

5411212123434016 364007 ERROR * L 002202 04/25/05 125534 27 NICS 9999 999
Figure 3.45SWCHD141-1 Banknet AMS, Account File Updates Report
2006 MasterCard
Reports
Account Management File UpdatesSWCHD141-2

to review modifications made to card adjustment files for card
numbers residing in the MDS Banknet AMS (Account
Management System) repository.

by NICS or Online message sending methods. Card number
records that were added, changed, or deleted appear daily in
this report.

Frequency: Daily

MasterCard OnLine

PAN 2 The column lists the Primary Account Number associated with the card
record that was updated.
TRACE 11 Every file update request message is assigned a unique identification
NUMBER number called a Trace Number. This number provides a message trail
between message initiators and the Banknet telecommunications network
and MDS Stand-In processes.
2006 MasterCard
Reports

TYPE OF 91/44 This column specifies the action that issuing processors took in regard to
UPDATE card number records residing in the Banknet Stand-In Account File and AMS
(Additional repository. Valid update types include:
Response Data) MCC103 (DE91) Add/Change and Delete
Error Codes (DE 44)
120001
The PAN received was not numeric.
The BIN in the PAN was not on file.
The BIN did not belong to the message initiator.
The check digit of the PAN was incorrect.
The PAN received was not on the account file.
120002
Issuing ICA (member ID) is not associated with primary account
numbers BIN.
120003
Product type is not equal to MCB, MCC, MCD, MCF, MCG, MCS, MCW,
MNS, MPL, or OTH.
120004
Response code not equal to 04capture card
120005
The Entry reason was not C, X, O, or F.
120006
Regional indicator is not equal to 1, A, B, C, D, or E.
120007
Region-requested purge date invalid
Region-requested purge date not equal to current or future date
REASON 120 This column lists the reason why the card number was reported.
CODE Valid Reason Codes for MCC103 File Updates
C Credit
F Fraud
O Other
X Counterfeit
MCI CUST ID 120 This column displays the Issuer ICA number that MasterCard assigned.
SWITCH 7 This is the time of the day that the update was made to the file (format:
TIME HHMMSS).
2006 MasterCard
Reports

REGIONAL 120 The first character shown in this column depicts the region code of the
INFO account listing. The next six digits depict the date the entry was requested
to be purged from the Electronic Warning Bulletin file. For example, if the
REGIONAL INFO value is 1030102, then the listed region is United States
(1030102), and the account listing entry will no longer be in effect on Jan 2,
2003 (1030102).
Valid Region Codes
1 United States
A Canada
B Caribbean, Central America, Mexico, and South America
C Asia and Pacific
D Europe
E Middle East and Africa
The date format is: YYMMDD
For regions A-E, the actual purge date will align with the printing schedule
of the Warning Bulletin.
RESP 120 This column displays the issuers response code.
CODE Issuer Response Code
00 Completed successfully
27 File Update field error
30 Format error
40 Requested function not supported
63 Security Violation
96 System error
MESSAGE NA There are two methods for updating the Banknet AMS repository. The first
SOURCE method is to make card adjustments using the NICS application
(MASTERCARD DEBIT HOTCARD FACILITY). The second method allows
issuing processors to bypass the NICS application and send 0302 online
messages directly to the Banknet telecommunications network through the
MDS gateway.
Interface Values
ONLINE A processor sent the file update to the MDS or Banknet
telecommunications network through a 0302 online message.
GROUP NA This column applies only to file updates with a NICS Message Source,
NUMBER and identifies the NICS user group responsible for the file update.
USER NA This column applies only to file updates with a NICS Message Source,
NUMBER and identifies the NICS user who made the file update.
2006 MasterCard
3-96
B A N K N E T A M S WORK OF 06/29/05
A C C O U N T M G T F I L E U P D A T E S PAGE 1
Reports
PROCESSOR : TEST INSTITUTION

TRACE TYPE OF REASON MCI SWITCH SWITCH REGIONAL RESP MESSAGE GROUP USER
PAN NUMBER UPDATE CODE CUST ID DATE TIME INFO CODE SOURCE NUMBER NUMBER
-----------------------------------------------------------------------------------------------------------------------------------
5419898980400001 394122 ADD/CHANGE F 002202 06/28/05 152520 1051031 00 NICS 8888 999
B051031
5419797970400001 394126 ADD/CHANGE F 002202 06/28/05 152558 1051031 00 NICS 8888 999
B051031
C051031
Figure 3.46SWCHD141-2 Banknet AMS, Account Management File Updates Report
2006 MasterCard
Reports
Recurring Payment Cancellation ServiceSWCHD141-3

to identify and review all additions and changes to Recurring
Payment Cancellation Service records.

by NICS. Recurring Payment Cancellation Service records
that were added, changed, or deleted appear daily in this
report.

Frequency: Daily

MasterCard OnLine
Refer to Table 3.16SWCHD141-3 Fields for a description of the SWCHD141-3

report fields.

PRIMARY 2 The column lists the Primary Account Number (16 digits) associated with the
ACCT NO card record that was updated.
ACQ CUST ID The 6-digit institution ID truncated from the 10-digit Institution ID shown on
the Transaction Processing screen.
CARD ACPT The Merchant ID. This number identifies the business where the transaction
ID CODE occurred.
2006 MasterCard
Reports

TYPE OF 91/44 This column specifies the action that issuing processors requested. Valid
UPDATE update types include:
Add, Change, Delete or Error
Error Codes (DE 44)
06120000 Pan record is a duplicate
06120001 Error on PAN
06120002 Error on Entry Reason
06120003 Error on Purge Date
06120004 Error on Acquirer ICA
06120006 Error on Transaction Low Amount
06120007 Error on Transaction High Amount
LOW TRAN The amount on which the cancellation request will be matched or the
AMOUNT starting point of a range.
HIGH TRAN The amount on which the cancellation request will be matched or the
AMOUNT ending point of a range.
SWITCH TIME 7 This is the time of the day that the update was made to the file (format:
HHMMSS)
MESSAGE SOURCE NA The method for updating the Banknet AMS repository is to make card
adjustments using the NICS application (MASTERCARD DEBIT HOTCARD
FACILITY).
Interface Values
GROUP NUMBER NA This column identifies the NICS user group responsible for the file update.
USER NUMBER NA This column identifies the NICS user who made the file update.
2006 MasterCard
SWCHD141-3 MASTERCARD DEBIT SYSTEM
BANKNET AMS WORK OF 03/10/06
RECURRING PAYMENT CANCELLATION SERVICE PAGE 1
PROCESSOR : TESTBANK USA
2006 MasterCard
ACQ CUST CARD ACPT TYPE OF LOW TRAN HIGH TRAN SWITCH SWITCH MESSAGE GROUP USER
PRIMARY ACCT NO ID ID CODE UPDATE AMOUNT AMOUNT DATE TIME SOURCE NUMBER NUMBER
-----------------------------------------------------------------------------------------------------------------------------------
5410446006600660 001601 07184043577MOV ERROR * 10.00 20.00 03/10/06 065427 NICS 9999 708
5410446006600660 001601 07184043577MOV ADD 10.00 20.00 03/10/06 065515 NICS 9999 708
5410446006600660 001601 00623131070E6R ADD 10.00 75.00 03/10/06 093427 NICS 8888 701
5410446006600660 001601 00623131070E6R CHANGE 10.00 75.00 03/10/06 094407 NICS 8888 701
5410446006600660 001601 00623131070E6R DELETE 10.00 75.00 03/10/06 094519 NICS 8888 701

5410446006600660 001527 353109493030459 ERROR * 150.00 175.00 03/10/06 094642 NICS 8888 701
5410446006600660 006333 00272480002JRF ERROR * 11.00 20.00 03/10/06 103523 NICS 9999 708
5410446006600660 006333 00272480002JRF ADD 11.00 20.00 03/10/06 ,103617, NICS 9999 708
5410446006600660 006333 00272480002JRF ERROR * 20.00 21.00 03/10/06 110712 NICS 9999 708
5410446006600660 006333 00272480002JRF ERROR * 20.00 21.00 03/10/06 110719 NICS 9999 708
Figure 3.47SWCHD141-3 Banknet AMS, Recurring Payment Cancellation Service Report
3-99
Reports
Reports
Maestro POS Transaction Audit ReportSWCHD144

Purpose: For issuers the report sequence provides tracking capabilities
and session reporting analysis.
For acquirers, the report sequence allows processors with

multiple corresponding members to review transactions by
Institution and Term ID.
Description: This report details Maestro International (only) financial and

non-financial transactions, regardless of completion status, that
occurred on the settlement day. Intra-country (ISIS)
transactions are not included in this report.
Oct
International Maestro interchange fees are not online and not 2006
reflected on this report.
The MDS sequences all transactions for:

The cardholder in PAN, date, and time order, and
sequences transactions
The acquirer in routing transit number, terminal ID, date
and time order
Processors choosing not to receive this report will find the

same information in the auto-reconciliation file.
Frequency: Daily

MasterCard OnLine.
Note The display sequence of the fields on the SWCHD144 report will vary according
to the type of processor order (acquiring or issuing).
2006 MasterCard
Reports

ACQ INST 32 The acquirer processors Routing and Transit Number (also known as the
ABA Number). This number identifies the acquirer to the MDS and can
ISS PRO/ACQ PRO 33 The MDS assigned processor number of the issuer and acquirer involved the
transaction.
PAN 2 Primary Account Number. The MDS uses the cardholder number to identify
account and the account type affected.
TRACE 11 The message initiator assigns a unique Trace Number to identify a
transaction.
RESP CODE 39 The Response Code defines the disposition of a message.
message. The last two digits of the Advice Reason Code can indicate the
reversal reason code.
CMP AMT mx Completed amount in the designated settlement currency of the acquirer
SETTLEMENT processor for the acquirer, and the settlement currency of the issuer
processor for the issuer. The amount of funds to be transferred between the
acquiring and issuer processor.
STL CC NA Currency code of the completed amount being settled.
CMP AMT LOCAL 4 The completed amount of the transaction in local currency. Local currency
2006 MasterCard
Reports

Oct
PROD CODE 63 This field identifies the product accessed and the related interchange rate. 2006
MC MasterCard
CI Cirrus
MS Maestro
MD Debit MasterCard
MX Mondex chip card
PL PLUS
VI Visa
ACCESS CHARGE 28 The additional fee or surcharge to an ATM transaction. This will report in
the acquirer processors designated settlement currency for the acquirer, and
the issuer processors designated settlement currency for the issuer.
INTER FEE 29 The Interchange Fee is the transferred fee between acquiring and card
processor in the settlement currency of the acquirer processor for the
acquirer, and the issuer processors settlement currency for the issuer.
SUSPECT The transaction following this message is a partial dispense, indicating this
TRANSACTION transaction did not complete per the amount authorized. This message is
FOLLOWS triggered from the Advice Reason Code (DE 60), subfield named Condition
Code, that is generated by the MDS online to the batch. This will occur for
an approved financial transaction that completed for an amount other than
what was requested.
S The S that appears on the Issuer report in the first column designates that
the condition code indicator reflects No PIN Entered on Transaction.
2006 MasterCard
. REPORT 1 MAESTRO POS TRANSACTION AUDIT REPORT SETTLEMENT DATE: 07/18/05
. I S S U I N G P R O C E S S O R PAGE 1
. PROCESSOR : TEST PROCESSOR 1
. PROCESSOR ID: 9000008899
. PROC ACQ ACQ RSP ADVICE CMP AMT STL CMP AMT PROD ACCESS INTER
2006 MasterCard
. PAN CODE PRO DATE/TIME INST-ID TERM ID TRACE CDE REASON SETTLEMENT CC LOCAL CODE CHARGE FEE
0001231210000000008 001000 120 0718050021 000000123 120GD 000008 00 451 0010 .23 840 1000 MS1 .00 .00C
0001231210000000008 001000 120 0718050038 000000123 120GD 000028 00 2.33 840 10000 MS1 .00 .02C
0001231210000000008 001000 120 0718050039 000000123 120GD 000034 00 2.33 840 10000 MS1 .00 .02C
0001231210000000008 001000 120 0718050040 000000123 120GD 000038 14 .00 840 0 MS1 .00 .00
0001231210000000008 001000 120 0718050042 000000123 120GD 000043 14 .00 840 0 MS1 .00 .00
0001231210000000008 001000 120 0718050048 000000123 120GD 000049 14 .00 840 0 MS1 .00 .00

Figure 3.48SWCHD144 Maestro POS Transaction Audit Report (1 of 2)Issuing Processor
3-103
Reports
REPORT 1 MAESTRO POS TRANSACTION AUDIT REPORT SETTLEMENT DATE: 07/18/05
3-104
Reports
ISS PROC RSP ADVICE CMP AMT STL CMP AMT PROD ACCESS INTER
ACQ INST TERM ID PRO DATE/TIME PAN CODE TRACE CDE REASON SETTLEMENT CC LOCAL CODE CHARGE FEE

000000123 120GD 121 0718050021 0001231210000000008 001000 000008 00 451 0010 .23 840 1000 MS1 .00 .00
000000123 120GD 121 0718050038 0001231210000000008 001000 000028 00 2.31 840 10000 MS1 .00 .02
000000123 120GD 121 0718050039 0001231210000000008 001000 000034 00 2.31 840 10000 MS1 .00 .02
000000123 120GD 121 0718050040 0001231210000000008 001000 000038 14 .00 840 0 MS1 .00 .00C
000000123 120GD 121 0718050042 0001231210000000008 001000 000043 14 .00 840 0 MS1 .00 .00C
000000123 120GD 121 0718050048 0001231210000000008 001000 000049 14 .00 840 0 MS1 .00 .00C
Figure 3.49SWCHD144 Maestro POS Transaction Audit Report (2 of 2)Acquiring Processor
2006 MasterCard
Reports
Negative File UpdatesSWCHD147-1

Purpose: This report gives members the ability to track changes made to
the MDS Stand-In Negative Card file.
Description: This report provides an audit trail of MDS Negative Card file
records that were recently added, changed, or deleted by
NICS or online message sending methods. Only updates
affecting the MDS Negative Card file appear in this report.

Frequency: Daily

MasterCard OnLine.
Field Description
PAN The column lists the Primary Account Number associated with the card record that was
updated.
INST ID This column displays the card issuers Institution ID (BIN or Routing and Transit
number).
Card Status This column reveals the reason for the card being reported to the MDS Hot Card
Facility.
Valid Hot Card Status Codes
F Fraud
L Lost
O Other
P Capture
S Stolen
U Unauthorized
X Counterfeit
V VIP
2006 MasterCard
Reports
Field Description
SWITCH DATE This is the date that the update was made to the MDS Stand-In Negative file (format:
MM/DD/YY).
SWITCH TIME This is the time of the day that the update was made to the MDS Stand-In Negative file
(format: HHMMSS).
PURGE DATE The date that the MDS purges the account number record from the MDS Stand-In
Negative file (format: YYMMDD).
TYPE OF UPDATE This column specifies the action that issuing processors took in regard to card number
records residing in the MDS Stand-In Negative Card file. Valid update types include:
Add, Delete, and Change.
UPDATE SOURCE There are two methods for updating MDS Stand-In database files. The first method is to
(i.e. this is the make card adjustments using the NICS application (STAND-IN NEGATIVE CARD
same data as FACILITY). The second method allows issuing processors to bypass the NICS
Message Source) application and send 0302 online messages directly to MDS. The online method cannot
currently be used to change the MDS Stand-In VIP file.
Interface Values
ONLINE A processor sent the file update to the MDS or Banknet telecommunications
network through a 0302 online message.
GROUP NUMBER This column identifies the NICS user group responsible for the file update. It applies
only to NICS users (i.e. NICS Update Source).
USER NUMBER This column identifies the NICS user who made the file update. It applies only to
NICS users (NICS Update Source).
TOTAL The total number of Stand-In exception records for a processor.
EXCEPTION This number comes from the Processor Data File (PDF). Only those records having 840
COUNT Country Codes (U.S. Region) are counted.
2006 MasterCard
M D S S T A N D I N WORK OF 07/04/05
N E G A T I V E F I L E U P D A T E S PAGE 1
CARD SWITCH SWITCH PURGE TYPE OF UPDATE GROUP USER

PAN INST ID STATUS DATE TIME DATE UPDATE SOURCE NUMBER NUMBER
2006 MasterCard
(MM/DD/YY) (YYMMDD)
___________________________________________________________________________________________________________________________________
5412123456789567 123434343 F 07/04/05 100059 491231 ADD ONLINE

5999999999999912 122198989 F 07/04/05 104959 491231 ADD ONLINE
5566666666666666 128978978 U 07/04/05 151915 060104 ADD ONLINE
5122222222222222 122323232 U 07/04/05 123444 070104 ADD ONLINE
5333333333333334 122334343 U 07/04/05 001234 070104 ADD ONLINE
5456565656565656 122121212 U 07/04/05 024707 070104 ADD ONLINE
5418888888888888 121353535 S 07/04/05 075104 080104 CHANGE ONLINE
5244444444444444 231212121 U 07/04/05 170317 060104 ADD ONLINE
5498989898989898 244444665 L 07/04/05 115019 491231 ADD ONLINE
5222222222444445 247778889 U 07/04/05 060405 491231 ADD ONLINE

TOTAL EXCEPTION COUNT 00002804
Figure 3.50SWCHD147-1 MDS Stand-in, Negative File Updates Report
3-107
Reports
Reports
VIP File UpdatesSWCHD147-2

Purpose: This report gives members the ability to track changes made to
the MDS Stand-In VIP file.
Description: This report provides an audit trail of MDS VIP Card file records
that were recently added, changed, or deleted by NICS.
There is currently no ONLINE method for updating this file.
Only updates affecting the MDS VIP Card file appear in this
report.

Frequency: Daily
Field Description
PAN The column lists the Primary Account Number associated with the card record that was
updated.
INST ID This column displays the card issuers Institution ID (BIN or Routing and Transit
number).
Card Status This column reveals the reason for the card being reported to the MDS Hot Card
Facility.
Valid Hot Card Status Codes
F Fraud
L Lost
O Other (Used for VIP status only)
P Capture
S Stolen
U Unauthorized
X Counterfeit.
2006 MasterCard
Reports
Field Description
SWITCH DATE This is the date that the update was made to the MDS Stand-In VIP file (format:
MM/DD/YY).
SWITCH TIME This is the time of the day that the update was made to the MDS Stand-In VIP file
(format: HHMMSS).
PURGE DATE The date that the MDS purges the account number record from the MDS Stand-In VIP
file (format: YYMMDD).
TYPE OF UPDATE This column specifies the action that issuing processors took in regard to card number
records residing in the MDS Stand-In VIP Card file. Valid update types include: Add,
Delete, and Change.
UPDATE SOURCE There are two methods for updating MDS Stand-In database files. The first method is to
(i.e. this is the make card adjustments using the NICS application (STAND-IN VIP CARD FACILITY).
same data as The second method allows issuing processors to bypass the NICS application and
Message Source) send 0302 online messages directly to MDS. The online method cannot currently be
used to change the MDS Stand-In VIP file.
Interface Values
ONLINE A processor sent the file update to the MDS or Banknet telecommunications
network through a 0302 online message.
GROUP NUMBER This column identifies the NICS user group responsible for the file update. It applies
only to NICS users (i.e. NICS Update Source).
USER NUMBER This column identifies the NICS user who made the file update. It applies only to
NICS users (i.e. NICS Update Source).
Second Column HeadingsDisplay across the page below the first column headings. Data displays
below the related data identified by the First Column Headings.
TOT CNT This column displays the maximum number transactions that Stand-In will process from
combined ATM and POS transactions in a single settlement day.
TOT AMT This column reports the maximum amount of money that Stand-In will debit from
combined ATM and POS transactions in a single settlement day.
ATM CNT This column displays the number of ATM transactions that was processed by Stand-In
processes in one day.
ATM AMT This column reports the amount of money in ATM withdrawals that was processed by
Stand-In processes in one day.
SAV CNT This column displays the number of ATM withdrawals from Savings that was processed
by Stand-In processes in one day.
SAV AMT This column reports the amount of money in ATM withdrawals from savings.
DDA CNT This column displays the number of ATM withdrawals from credit card accounts that
was processed by Stand-In in processes one day.
DDA AMT This column reports the amount of money in ATM withdrawals from DDA/checking
that was processed by Stand-In processes in one day.
2006 MasterCard
Reports
Field Description
CCD CNT This column displays the number of ATM withdrawals from credit card accounts that
was processed by Stand-In processes in one day.
CCD AMT This column reports the amount of money in ATM cash disbursements from credit card
accounts processed by Stand-In processes in one day.
NAS CNT This column displays the number of ATM withdrawals from No Account Specified
(NAS) processed in Stand-In processes in one day.
NAS AMT This column reports the amount of money in ATM withdrawals from No Account
Specified (NAS) processed by Stand-In processes in one day.
POS CNT This column displays the number of Point of Sale (POS) purchases, regardless of
account type, processed by Stand-In processes in one day.
POS AMT This column reports the number of Point of Sale (POS) purchases, regardless of account
type, processed by Stand-In processes in one day
Total FieldDisplays at the bottom of the report.
TOTAL The total number of Stand-In exception records for a processor.
EXCEPTION This number comes from the Processor Data File (PDF). Only those records having 840
COUNT Country Codes (U.S. Region) are counted.
2006 MasterCard
M D S S T A N D I N WORK OF 06/17/05
V I P F I L E U P D A T E S PAGE 1
CARD SWITCH SWITCH PURGE TYPE OF UPDATE GROUP USER

PAN INST ID STATUS DATE TIME DATE UPDATE SOURCE NUMBER NUMBER
2006 MasterCard
(MM/DD/YY) (YYMMDD)
TOT CNT TOT AMT ATM CNT ATM AMT SAV CNT SAV AMT DDA CNT DDA AMT CCD CNT CCD AMT NAS CNT NAS AMT POS CNT POS AMT
___________________________________________________________________________________________________________________________________
5812121200008405 912121288 L 06/16/05 170628 491231 CHANGE NICS 2121 999

10 100 10 100
5851234567008405 912121218 L 06/17/05 100724 491231 CHANGE NICS 2121 999
10 100 10 100
TOTAL EXCEPTION COUNT 00000001

Figure 3.51SWCHD147-2 MDS Stand-in, VIP File Updates Report
3-111
Reports
Reports
Statistical Reports
Statistical Reports
Statistical reports summarize the processors activity and performance as
acquirer and issuer. The MDS generates these reports daily and monthly.
Processors can use these reports to analyze their performance to ensure that
they continue to comply with network standards.
Oct
Table 3.20 lists the MDS Statistical reports name, and purpose by report 2006
number.
Table 3.20MDS Statistical Reports
Number Name Purpose

SWCHD15-X Financial Institution Processors can use this report to update
Table (FIT) report acquirer routing tables. The MDS provides
indicators for each identifier to determine if
the identifier has been added (A) or
deleted (D) since the last update.
SWCHD35 Institution Definition Processors can use this report to review
File (IDF) and manage routing and transit numbers.
SWCHD61 Daily Processing Processors should use this report to
Summary report monitor their performance rates to ensure
they comply with network standards and to
highlight the differences in debit and credit
performance. Processors can use this
report to identify problems such as PIN
failures, invalid account selection, format
errors, and the need for increased
cardholder education.
SWCHD73a Monthly Availability Members should use this report to track
Report member performance on a month-to-month
basis to ensure that the issuing processor
complies with network performance
standards.
SWCHD127-1 Daily Cardholder The MDS generates this report for each
Performance Report processor to assist in focusing on those
card portfolios that do not meet product
performance standards.
SWCHD127-2 Daily Cardholder Issuers can use this report to identify
Performance Variance problems with a particular BIN.
Report
2006 MasterCard
Reports
Statistical Reports
Number Name Purpose

Oct
SWCHD143 Maestro POS Daily Processors should use this report to 2006
Processing Summary monitor their performance rates to ensure
that they comply with network standards.
Processors can use this report to identify
problems such as PIN failures, invalid
account selection, format errors, and the
need for increased cardholder education.
SWCHD320-1 Daily Processor Processors can use this report to track
Performance Report performance trends and to plan possible
corrective actions.
SWCHD321-1 Processor Peak Processors can use this report to track
Performance Report performance trends and to plan possible
corrective actions.
SWCHD321-2 Processor Daily Processors can use this report to track
Summary Performance performance trends and to plan possible
Report corrective actions.
SWCHM03a Transaction Interchange The acquiring report reflects the types of
Month-to-Date transactions other cardholders performed at
the processors terminals. The cardholder
report reflects the types of transactions that
the processors cardholders performed at
other processors terminals. (This may be
helpful for marketing analysis.)
SWCHM06a Month-to-Date Processing Processors should use this report to
Summary Report monitor their performance rates to ensure
that they comply with network standards
and to highlight the differences in debit
and credit performance. Processors can
use this report to identify problems such as
PIN failures, invalid account selection,
format errors, and the need for increased
cardholder education.
SWCHM07a Month-to-Date Denial Processors use this report to evaluate
Summary Report performance
a Reports produced daily with month-to-date totals.
2006 MasterCard
Reports
Statistical Reports
Financial Institution Table Report (FIT)SWCHD15-X

Purpose: Processors can use this report to update acquirer routing
tables. The MDS provides indicators for each identifier to
determine if the identifier has been added (A) or deleted (D)
since the last update.
Description: This report is available by identifier for all products and by

processor for the products supported. The report by BIN
identifier provides the following information: identifier (BIN),
identifier length, processor number associated with the
identifier, and the currency code associated with the identifier.
Frequency: Daily
Note The MDS can send the FIT as either a print image report or data file.
FIT by Identifier and FIT by Processor

Refer to Table 3.21 for a description of the SWCHD15-X report fields.
Table 3.21SWCHD15-X Fields
Field Description
Header FieldDisplays at top of all pages of the report. For reports by processor.
Column HeadingsDisplay across the page.
REC ID Indicates the table ID for the Financial Institution Table
F IDENTIFIER The prefix of the card that participates in this product. This entry can be 4 to 11
digits in length.
LEN The length of the card prefix
PROC The MDS assigned processor Number for the BIN.
CUR The ISO assigned currency code. Indicates the local currency used at the terminal.
2006 MasterCard
SWCHD15-2 M A S T E R C A R D D E B I T S W I T C H
F I L E P R I N T WORK OF 7/05/05
F I N A N C I A L I N S T I T U T I O N T A B L E PAGE 1
B Y I D E N T I F I E R
C I R R U S
REC ID F IDENTIFIER LEN PROC CUR F IDENTIFIER LEN PROC CUR F IDENTIFIER LEN PROC CUR F IDENTIFIER LEN PROC CUR
------ ----------------------------- ----------------------------- ----------------------------- -----------------------------
*FIT 88888888888 11 0 840 4700 4 1 840 44028 5 1 840 44360 5 1 840
2006 MasterCard
*FIT 119445 6 1 840 213926 6 1 840 423387 6 1 840 449866 6 1 840
*FIT 500771 6 1 840 503803 6 1 840 518032 6 1 840 518330 6 1 840
*FIT 531530 6 1 840 534990 6 1 840 540049 6 1 840 547033 6 1 840
*FIT 560034 6 1 840 560483 6 1 840 581096 6 1 840 585070 6 1 840
*FIT 585858 6 1 840 5180310 7 1 840 5180314 7 1 840 5637001 7 1 840
*FIT 5837001 7 1 840 07490025 8 1 840 07490034 8 1 840 27247984 8 1 840
*FIT 44360333 8 1 840 44360352 8 1 840 50339601 8 1 840 50339606 8 1 840
*FIT 50339642 8 1 840 50339657 8 1 840 50387787 8 1 840 51001307 8 1 840
*FIT 101000129 9 1 840 101000954 9 1 840 101218173 9 1 840 131756220 9 1 840
*FIT 301171133 9 1 840 431756220 9 1 840 503396123 9 1 840 503396124 9 1 840
*FIT 503396125 9 1 840 518064801 9 1 840 529800220 9 1 840 529801 9 1 840
*FIT 581480000 9 1 840 5180648010 10 1 840 5634 4 2 840 55006 5 2 076
*FIT 403396 6 2 840 461365 6 2 840 503395 6 2 840 550025 6 2 036
*FIT 589693 6 2 152 666664 6 2 840 666667 6 2 840 888883 6 2 840

*FIT 4564770 7 2 152 5081130 7 2 152 5896860 7 2 152 5896910 7 2 152
Figure 3.52SWCHD15-X Financial Institution Table by Identifier Report (1 of 2)
3-115
Reports
Statistical Reports
F I L E P R I N T WORK OF 7/05/05
3-116
F I N A N C I A L I N S T I T U T I O N T A B L E PAGE 2
Reports
B Y P R O C E S S O R
C I R R U S
------------------------
TRACK II TRACK II TRACK II TRACK II TRACK II TRACK II
Statistical Reports
LENGTH IDENTIFIER LENGTH IDENTIFIER LENGTH IDENTIFIER LENGTH IDENTIFIER LENGTH IDENTIFIER LENGTH IDENTIFIER
08 07490025 08 07490034 09 101000129 09 101000954 09 101218173 06 119445
09 131756220 06 213926 08 27247984 09 301171133 06 423387 09 431756220
05 44028 05 44360 08 44360333 08 44360352 06 449866 04 4700
06 500771 08 50339601 08 50339606 09 503396123 09 503396124 09 503396125
08 50339642 08 50339657 06 503803 08 50387787 08 51001307 07 5180310
07 5180314 06 518032 09 518064801 10 5180648010 06 518330 09 529800220
09 529801 06 531530 06 534990 06 540049 06 547033 06 560034
06 560483 07 5637001 06 581096 09 581480000 07 5837001 06 585070
06 585858
Figure 3.53SWCHD15-X Financial Institution Table by Processor Report (2 of 2)
2006 MasterCard
Reports
Statistical Reports
Institution Definition File (IDF)SWCHD35

Purpose: Processors can use this report to review and manage routing
and transit numbers.
Description: This report provides Customer and Technology Support

information for each of the processors routing and transit
numbers.
Frequency: Daily

MasterCard OnLine.
Field Description
INST NO The Routing and Transit Number assigned to the processor.
ACQ PROD A Y indicates the processor supports the product. A blank indicates the processor
does not support the product. The products listed are:
C Cirrus
P PLUS
M MasterCard
V Visa
2006 MasterCard
SWCHD35 M A S T E R C A R D D E B I T S W I T C H WORK OF 7/05/05
F I L E P R I N T PAGE 1
3-118
I N S T I T U T I O N D E F I N I T I O N
Reports
PROCESSOR : CIRRUS NETWORK

ACQ PROD ACQ PROD ACQ PROD ACQ PROD ACQ PROD ACQ PROD
INST NO C P M V INST NO C P M V INST NO C P M V INST NO C P M V INST NO C P M V INST NO C P M V
Statistical Reports
*IDF 000025360 240000006 334455664 360000009 390000008 434000003

*IDF 440000000 480000002 650000007 654000003 730000008 740000001
*IDF 741000000 760000007 830200009 876000001 890000003 912401247 Y Y
*IDF 972200006 980000007 981808185 Y Y
Figure 3.54SWCHD35 Institution Definition Report
2006 MasterCard
Reports
Statistical Reports
Daily Processing Summary ReportSWCHD61

Purpose: Processors should use this report to monitor their performance
rates to ensure they comply with network standards and to
highlight the differences in debit and credit performance.
Processors can use this report to identify problems such as PIN
failures, invalid account selection, format errors, and the need
for increased cardholder education.
Description: This report provides a daily summary of the processors

performance by response code and completion code. This
report lists a count of Stand-In transactions that occurred at the
time of MDS Stand-In processing support by transaction type.
The MDS segregates this report into acquirer and issuer

activity, and then into debit and credit activity based on the
prefix (BIN) functionality.
Frequency: Daily

MasterCard OnLine.
Acquiring Processor and Card Processor

Field Description
Oct
Header FieldsDisplay at top of all pages of the report. 2006
DEBIT or CREDIT The MDS generates separate reports for debit and credit activity. This heading
(Heading) displays at the top of the page beside the Processor Name to identify the report.
DESCRIPTION The explanation of transaction types by the Response Code and Advice Reason
TRANSACTION Code.
APPROVED
TRANSACTIONS Each category has a subtotal providing total for trans counts and percentages.
NOT APPROVED
ADVICE REASON The number assigned to each transaction type description.
2006 MasterCard
Reports
Statistical Reports
Field Description
RESPONSE CODE The Response Code number assigned to each description. An (S) indicates that the
MDS generated the response.
TRANS COUNT Number of transactions
% OF TOTAL Percentage of total transactions by response and completion code
STAND-IN COUNT Number of transactions processed by MDS Stand-In
TOTAL COUNT The combined total of transactions and Stand-In counts per transaction type
description.
% OF TOTAL Percentage of total transactions by response and completion code.
Total FieldsDisplay at the bottom of the page.
TOTAL The combined counts, percentages, and Stand In, for transactions approved and
rejected.
Oct
This field displays on each page of the report. 2006
TOTAL Total number of debit/credit transactions
DEBIT/CREDIT This field displays on the last page of the Acquiring Processor and Issuing Processor
report.
DEBIT FAIL % / The credit and debit fail percentages for acquiring processors are calculated as:
CREDIT FAIL % [Format error (S11) + Invalid dollar amount (S13) + ATM proc or owning invalid
(S31) + ATM processor inoperative (S83)] divided by [Total transaction count -
cardholder proc not found (S92)].
The credit and debit fail percentages for card processors are calculated as:
[cardholder proc timeout (S91) + cardholder proc inoperative billable (S91) +
cardholder proc inoperative non-billable (S91)] divided by [Total transaction
count - cardholder proc non found (S92)].
This field displays on each page of the report. Oct
2006
DEBIT/CREDIT FAIL The debit/credit fail percentage for acquiring processors is calculated as:
% [Format error (S11) + Invalid dollar amount (S13) + ATM proc or owning invalid
(S31) + ATM processor inoperative (S83) {for both debit and credit}] divided by
total debit/credit.
The debit/credit fail percentage for card processors is calculated as: [cardholder
proc timeout (S91) + cardholder proc inoperative billable (S91) + cardholder
proc inoperative non-billable (S91) {for both debit and credit}] divided by total
debit/credit.
Oct
This field displays on the last page of the Acquiring Processor and Issuing Processor 2006
report.
MASTERCARD DEBIT This is the count total of MasterCard debit transactions. These numbers are not
TRANSACTIONS included in the report computations. Oct
This field displays on each page of the report. 2006
SYSTEM DENIAL Is calculated as: [Unable to process financial (82) + cardholder proc inoperative
RATE FINANCIAL financial (91)] divided by [Total transaction count - cardholder proc inoperative
inquiry (82) {for both debit and credit].
2006 MasterCard
REPORT 3 D A I L Y P R O C E S S I N G S U M M A R Y WORK OF 03/28/06
PROCESSOR : TESTBANK USA ---------- D E B I T ----------

2006 MasterCard
ADVICE RESPONSE TRANS % OF STAND IN % OF TOTAL % OF
DESCRIPTION REASON CODE COUNT TOTAL COUNT TOTAL COUNT TOTAL
TRANSACTION APPROVED (00,10)

NORMAL 18,745 79.92 13 0.06 18,758 79.98
BALANCE 2,017 8.60 0 0.00 2,017 8.60
PARTIAL DISPENSE 0010 73 0.31 0 0.00 73 0.31
ATM FAILURE 0018 94 0.40 0 0.00 94 0.40

TRANSACTION APPROVED SUBTOTAL 20,929 89.23 13 0.06 20,942 89.29
TRANSACTION NOT APPROVED
INVALID TRANSACTION FINANCIAL (S)12 6 2.83 0 0.00 6 2.83

FORMAT ERROR (S)30 1 0.47 0 0.00 1 0.47
INVALID PIN,ALLOW CUSTOMER RETRY 55 79 37.26 0 0.00 79 37.26
TRANSACTION NOT APPROVED SUBTOTAL 86 40.57 0 0.00 86 40.57
T O T A L 212 100.00 0 0.00 212 100.00
DEBIT FAIL % 0.47
MASTERCARD DEBIT TRANSACTIONS 0

Figure 3.55SWCHD61 Daily Processing Summary Reports (1 of 4)Acquiring Processor
3-121
Reports
Statistical Reports
3-122
Reports
PROCESSOR : TESTBANK USA --------- C R E D I T ---------

Statistical Reports


NORMAL 1,907 63.17 0 0.00 1,907 63.17
BALANCE 161 5.33 0 0.00 161 5.33
ATM FAILURE 0018 8 0.26 0 0.00 8 0.26


T O T A L 12 100.00 0 0.00 12 100.00
T O T A L DEBIT/CREDIT 224 0 224
CREDIT FAIL % 0.00

DEBIT/CREDIT FAIL % 0.00

Figure 3.56SWCHD61 Daily Processing Summary Reports (2 of 4)Acquiring Processor
2006 MasterCard
2006 MasterCard
NORMAL 30 46.15 0 0.00 30 46.15
BALANCE 3 4.62 0 0.00 3 4.62
TRANSACTION APPROVED SUBTOTAL 35 53.85 0 0.00 35 53.85

T O T A L 65 100.00 0 0.00 65 100.00
DEBIT FAIL % 0.00

SYSTEM DENIAL RATE FINANCIAL 0.00
Figure 3.57SWCHD61 Daily Processing Summary Reports (3 of 4)Issuing Processor
3-123
Reports
Statistical Reports
3-124
Reports

Statistical Reports


NORMAL 4 33.33 0 0.00 4 33.33
BALANCE 1 8.33 0 0.00 1 8.33
ATM TIMEOUT 0019 2 16.67 0 0.00 2 16.67

T O T A L 12 100.00 0 0.00 12 100.00
CREDIT FAIL % 0.00


Figure 3.58SWCHD61 Daily Processing Summary Reports (4 of 4)Issuing Processor
2006 MasterCard
Reports
Statistical Reports
Monthly Availability ReportSWCHD73

Purpose: Members should use this report to track member performance
on a month-to-month basis to ensure that the issuing processor
complies with network performance standards.
Description: This report summarizes the total down time, adjusted down
time, and percentage of the time the processor is available to
authorize transactions.
This report reflects the availability of the cardholders

processor and includes the current and prior months data.
Frequency: Daily

MasterCard OnLine.
Note The MDS sends this report to cardholder processors daily.
Cirrus Network and Processor

Field Description
Header FieldDisplays at top of all pages of the report.
PROCESSOR The MDS-assigned processor/member identification number and processor name.
Column HeadingsDisplays across the page, just below the Header fields.
DATE The system date that the downtime occurred
TIME The system time that the downtime occurred
DOWNTIME The duration of the downtime
2006 MasterCard
Reports
Statistical Reports
Field Description
REASON The cause of the downtime:
A Application
E Encryption
H Hardware
L Line
S Software
M Modem
D Scheduled
P Processor
? Unclassified
EXPLANATION Indicates the cause of the problem
Total FieldsDisplays to the left of the page.
TOTALS FOR MONTH Lists the amount of time the processor was down and the downtime classification. It
also indicates the percentage of total downtime associated with each classification.
TOTAL TIME The total downtime for the month
ADJUSTED TIME The total time from the processor category
Processorsum of downtime indicated with a status code of P.
Networksum of downtime indicated with a status code of H, S, and ?.
AVAILABILITY Total hours per month downtime less the total hours divided by the total hours per
month multiplied by 100
ADJUSTED Total hours per month downtime less the Adjusted time divided by the total hours
AVAILABILITY per month multiplied by 100
2006 MasterCard
SWCHD73 M A S T E R C A R D D E B I T S W I T C H PAGE 1
MONTHLY AVAILABILITY REPORT TIME: 23:01:06 DATE: 08/02/05
PROCESSOR: 9000000999 NATIONAL BANK

MONTH TO DATE: SEPTEMBER SETTLEMENT DATE: 08/02/05
2006 MasterCard
DATE TIME DOWNTIME REASON EXPLANATION
06/17/05 17:00 00:40 S KEY ERRORS DUE TO SYSTEM MODIFICATIONS. CHANGES WERE BACKED OUT.
06/15/05 04:14 00:41 D SCHEDULED OUTAGE FOR MAINTENANCE.

TOTALS FOR MONTH
% OF DOWN
CODE TYPE TIME TIME
A APPLICATION 00:00 000.00
H HARDWARE 00:00 000.00

S SOFTWARE 00:40 049.38
D SCHEDULED 00:41 050.62
? UNCLASSIFIED 00:00 000.00
TOTAL TIME 01:21 AVAILABILITY 099.81%
ADJUSTED TIME 00:40 ADJUSTED AVAILABILITY 099.90%
MONTH TO DATE: AUGUST
05/06/05 13:25 00:35 A NOT RESPONDING. NODE D RECEIVED GARBAGE MESSAGES INTO THE I200 INTERFACE PROGRAM.
Figure 3.59SWCHD73 Monthly Availability Report (1 of 2)
TOTALS FOR MONTH

% OF DOWN
CODE TYPE TIME TIME
A APPLICATION 00:35 100.00
H HARDWARE 00:00 000.00
S SOFTWARE 00:00 000.00
3-127
Reports
Statistical Reports
SWCHD73 M A S T E R C A R D D E B I T S W I T C H PAGE 90
MONTHLY AVAILABILITY REPORT TIME: 01:03:56 DATE: 08/02/05
3-128
Reports
PROCESSOR: 9000000999 NATIONAL BANK

MONTH TO DATE: SEPTEMBER SETTLEMENT DATE: 08/02/05
Statistical Reports
03/01/05 11:02 02:38 P NOT RESPONDING. SYSTEM PROBLEM AT REMOTE.

TOTALS FOR MONTH
% OF DOWN
CODE TYPE TIME TIME
E ENCRYPTION 00:00 000.00
L LINE 00:00 000.00
M MODEM 00:00 000.00
P PROCESSOR 02:38 100.00
TOTAL TIME 02:38 AVAILABILITY 099.63
MONTH TO DATE: AUGUST

02/15/05 10:29 03:35 D NOT RESPONDING. SYSTEM MAINTENANCE AT REMOTE.
02/08/05 10:03 01:17 D MARKED DOWN. PROCESSOR LOGGED OFF CIRRUS.
02/01/05 10:03 03:25 D NOT RESPONDING. SYSTEM MAINTENANCE AT REMOTE.
Figure 3.60SWCHD73 Monthly Availability Report (2 of 2)
TOTALS FOR MONTH

% OF DOWN
CODE TYPE TIME TIME
E ENCRYPTION 00:00 000.00
L LINE 00:00 000.00
M MODEM 00:00 000.00
P PROCESSOR 04:17 034.08
2006 MasterCard
Reports
Statistical Reports
Daily Cardholder Performance ReportSWCHD127-1

Purpose: The MDS generates this report for each processor to assist in
focusing on those card portfolios that do not meet product
performance standards.
Description: This report will display any debit or credit BIN with an
approval rate below standard (currently set at 70%).
Transaction counts and percentages by response code are
reported in addition to the percentage of approved
transactions. The report displays approval and denial rates
that are percentages of total volume.
Frequency: Daily

MasterCard OnLine.
Field Description
CR/DB This column indicates whether the BIN is a credit BIN or a debit BIN.
TOTAL VOLUME This column represents the daily total transaction volume per BIN.
INVALID TRANS The percentage of total transaction volume per BIN for these response codes
SELECTION
(12, s12, 57)
EXCEEDS The percentage of total transaction volume per BIN for this response code
USAGE (61)
INVALID The percentage of total transaction volume per BIN for these response codes
PIN (55, 75)
BAD, HOT, The percentage of total transaction volume per BIN for these response codes
EXPIRED ACCOUNT
SELECTION (14, 41,
43, 54, 56, 62, 67)
2006 MasterCard
Reports
Statistical Reports
Field Description
INSUFFICIENT The percentage of total transaction volume per BIN for this response code
FUNDS (51)
DO NOT The percentage of total transaction volume per BIN for this response code
HONOR (77)
OTHER (11, s11, The percentage of total transaction volume per BIN for these response codes
13, s13, s31, 76,
s83, 85, s92)
PROCESSOR The percentage of total transaction volume per BIN for these response codes
SYSTEM DENIALS
(82, s91, 91)
TOTAL APPROVED The percentage of total transaction volume per BIN for these response codes
(01, 78, 80, 81)
Category FieldsDisplay to the left of the page below the column headings.
FINANCIAL IN# The Routing and Transit number assigned to the Bank Identification Numbers Oct
2006
(BINs).
TOTAL The total items per category, according to the routing and transit, and percentage of
total transactions
2006 MasterCard
D A I L Y C A R D H O L D E R P E R F O R M A N C E R E P O R T WORK OF 07/05/05
PROCESSOR : TEST BANK PAGE 1

BAD,LOST,
STOLEN
EXPIRED
2006 MasterCard
INVALID EXCEEDS RESTRICTED PROCESSOR
CR/ TOTAL TRANS WITHDRAWAL INVALID ACCOUNT INSUFFICENT DO NOT SYSTEM TOTAL
DB VOLUME SELECTION LIMIT PIN SELECTION FUNDS HONOR OTHER DENIALS APPROVED
----------------------------------------------------------------------------------------------------------------------
FINANCIAL IN # 1233333623
5276853 D 8 25.00% 12.50% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 62.50%
TOTAL 8 25.00% 12.50% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 62.50%
412128 D 3 0.00% 0.00% 100.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
TOTAL 3 0.00% 0.00% 100.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%

567544 D 6 0.00% 0.00% 0.00% 0.00% 33.33% 0.00% 0.00% 0.00% 66.66%
TOTAL 6 0.00% 0.00% 0.00% 0.00% 33.33% 0.00% 0.00% 0.00% 66.66%
512345 C 2 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 100.00% 0.00% 0.00%
TOTAL 2 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 100.00% 0.00% 0.00%
577889 D 2 0.00% 0.00% 100.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
TOTAL 2 0.00% 0.00% 100.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Figure 3.61SWCHD127-1 Daily Cardholder Performance Report
543215 D 15 0.00% 33.33% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 66.66%
TOTAL 15 0.00% 33.33% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 66.66%
412344 D 2 0.00% 0.00% 50.00% 0.00% 0.00% 0.00% 0.00% 0.00% 50.00%
TOTAL 2 0.00% 0.00% 50.00% 0.00% 0.00% 0.00% 0.00% 0.00% 50.00%
3-131
Reports
Statistical Reports
Reports
Statistical Reports
Daily Cardholder Performance Variance ReportSWCHD127-2

Purpose: Issuers can use this report to identify problems with a
particular BIN.
Description: This report provides information on BINs with a variance of

10% higher or lower than its normal approval rate.
Frequency: Daily

MasterCard OnLine.
Field Description
BIN Lists the BINs that exceed a variance parameter of 10%
APPROVAL RATE Provides the BINs approval rate from totals reported on the Daily cardholder
Performance Report (SWCHD127-1). The MDS calculates the approval rate based on
response codes 01, 78, 79, 80, and 81 divided by the total volume.
AVERAGE Month-to-date average approval rate that is recalculated daily
APPROVAL RATE
VARIANCE Difference between the approval rate and the average approval rate
Data FieldsDisplay to the left of the page below the Column headings.
FINANCIAL IN # Routing and Transit number assigned to the Bank Identification Number (BIN). Oct
2006
2006 MasterCard
D A I L Y C A R D H O L D E R P E R F O R M A N C E V A R I A N C E R E P O R T WORK OF 07/05/05
PROCESSOR : TEST BANK PAGE 1
APPROVAL AVERAGE
BIN NUMBER RATE APPROVAL RATE VARIANCE
-------------------------------------------------------------------
2006 MasterCard
577777 78.57 100.00 -21.43
516565 71.57 100.00 -28.43
523233 74.32 87.31 -12.99

512128 65.90 0.00 +65.90

Figure 3.62SWCHD127-2 Daily Cardholder Performance Variance Report
3-133
Reports
Statistical Reports
Reports
Statistical Reports
Maestro POS Daily Processing SummarySWCHD143

rates to ensure that they comply with network standards.
Description: This report provides a month-to-date summary of the

processors Maestro performance by response code and
completion code. Only transactions with the MS product code
are included.
The MDS segregates this report into debit and credit activity
based on the prefix (BIN) functionality as an acquirer and card
processor.
Frequency: Daily, with month-to-date totals

MasterCard OnLine.

Field Description
DEBIT or CREDIT The MDS generates separate reports for debit and credit activity. This heading Oct
2006
(Heading) displays at the top of the page beside the Processor name to identify the report.
DESCRIPTION The explanation of transaction types by the Response Code and Completion Code.
Transaction Approved
Transaction Not Approved with Subtotal
Each category will have a Subtotal providing total for trans counts and percentages.
RESPONSE CODE The Response Code number assigned to each description. An (S) indicates that the
MDS generated the response.
2006 MasterCard
Reports
Statistical Reports
Field Description
% OF TOTAL Percentage of total transactions by Response and Completion Code
STAND-IN COUNT Number of transactions processed by MDS Stand-In.
description.
rejected.
TOTAL Total number of debit/credit transactions.
DEBIT/CREDIT
DEBIT FAIL % or The credit and debit fail percentages for acquiring processors are calculated as:
CREDIT FAIL % [Format error (S30) + Invalid dollar amount (S13) + ATM proc or owning invalid
(S92) + ATM processor inoperative (S80)] divided by [Total transaction count -
cardholder proc not found (S15)].
DEBIT/CREDIT The debit/credit fail percentage for acquiring processors is calculated as:
FAIL % [Format error (S30) + Invalid dollar amount (S13) + ATM proc or owning invalid
(S92) + ATM processor inoperative (S80) {for both debit and credit}] divided by
total debit/credit.
The debit/credit fail percentage for card processors is calculated as: [cardholder
proc timeout (S91) + cardholder proc inoperative billable (S91) + cardholder
proc inoperative non-billable (S91) {for both debit and credit}] divided by total
debit/credit. Oct
2006
SYSTEM DENIAL Is calculated as: [Unable to process financial (82) + cardholder proc inoperative
RATE FINANCIAL financial (91)] divided by [Total transaction count - cardholder proc inoperative
2006 MasterCard
3-136
REPORT 3 MAESTRO POS DAILY PROCESSING SUMMARY WORK OF 09/01/06
Reports

Statistical Reports


NORMAL 2 11.76 6 35.29 8 47.06
DO NOT HONOR 05 0 0.00 2 11.76 2 11.76

ERROR IN DECRYPTION OF PIN BLOCK (S)63 1 5.88 0 0.00 1 5.88
CARDHOLDER PROC INOP FINANCIAL 91 0 0.00 1 5.88 1 5.88
CARDHOLDER PROC INOP BILLABLE (S)91 0 0.00 1 5.88 1 5.88
CARDHOLDER PROC INOP NON BILLABLE (S)91 4 23.53 0 0.00 4 23.53
T O T A L 7 41.18 10 58.82 17 100.00
DEBIT FAIL % 0.00

Figure 3.63SWCHD143 Maestro POS Daily Processing Summary Report (1 of 4)Acq. Processor
2006 MasterCard
Oct
2006

2006 MasterCard

NORMAL 199 58.02 4 1.17 203 59.18
NO RECEIPT ISSUED 0011 24 7.00 0 0.00 24 7.00
CUSTOMER CANCEL 0041 36 10.50 0 0.00 36 10.50

FORMAT ERROR (S)30 32 9.33 0 0.00 32 9.33

LOST CARD 41 0 0.00 1 0.29 1 0.29
STOLEN CARD 43 0 0.00 1 0.29 1 0.29
INSUFFICIENT FUNDS 51 4 1.17 0 0.00 4 1.17
EXPIRED CARD (S)54 0 0.00 1 0.29 1 0.29
EXCEEDS WITHDRAWAL LIMIT (S)61 0 0.00 1 0.29 1 0.29
T O T A L 335 97.67 8 2.33 343 100.00
CREDIT FAIL % 9.32

Figure 3.64SWCHD143 Maestro POS Daily Processing Summary Report (2 of 4)Acq. Processor
3-137
Reports
Statistical Reports
Oct
2006
3-138
Reports

Statistical Reports


NORMAL 25 92.59 0 0.00 25 92.59
SWCH DENIED INVALID DATA 0000 2 7.41 0 0.00 2 7.41
T O T A L 27 100.00 0 0.00 27 100.00
DEBIT FAIL % 0.00

Figure 3.65SWCHD143 Maestro POS Daily Processing Summary Report (3 of 4)Issuing Processor
2006 MasterCard
Oct
2006
,,
2006 MasterCard
NORMAL 199 58.02 4 1.17 203 59.18
NO RECEIPT ISSUED 0011 24 7.00 0 0.00 24 7.00
CUSTOMER CANCEL 0041 36 10.50 0 0.00 36 10.50
FORMAT ERROR (S)30 32 9.33 0 0.00 32 9.33

LOST CARD 41 0 0.00 1 0.29 1 0.29

STOLEN CARD 43 0 0.00 1 0.29 1 0.29
EXPIRED CARD (S)54 0 0.00 1 0.29 1 0.29
EXCEEDS WITHDRAWAL LIMIT (S)61 0 0.00 1 0.29 1 0.29
T O T A L 335 97.67 8 2.33 343 100.00
CREDIT FAIL % 0.00


Figure 3.66SWCHD143 Maestro POS Daily Processing Summary Report (4 of 4)Issuing Processor
3-139
Reports
Statistical Reports
Oct
2006
Reports
Statistical Reports
Daily Processor Performance ReportSWCHD320-1

Purpose: Processors can use this report to track performance trends and
to plan possible corrective actions.
Description: This report indicates a processors acquiring and issuing

performance. It identifies processor level transaction volume,
response time to authorization requests, and processor
availability, on an hourly basis.
Frequency: Daily

MasterCard OnLine.
Acquiring Processor and Issuing Processor

Field Description
TIME The hour the statistics were collected
FINANCIAL Total number of financial transactions per hour
TRANS
INQUIRE Total number of balance inquiry transactions per hour
TRANS
FAILED Total number of denied transactions per hour
TOTAL The total number of transactions per hour (financial, inquiries, and denials)
PERCENT The percentage of time per hour that the processor is available
AVAILABLE
COUNT The total transaction count per hour per category
RESP TIME The average response time (in seconds) for the total transaction count for each hour
2006 MasterCard
Reports
Statistical Reports
Field Description
Total FieldsDisplay at the bottom of each page.
TOTAL Total number of transactions and average response time per category
PEAK MINUTE/ The minute the processor had the highest volume and the transaction count
TRANSACTION
PEAK HOUR/ The hour the processor has the highest volume and the transaction count
TRANSACTION
AVAILABILITY % The hour the processor has the lowest percent availability
LOW
AVAILABILITY % The hour the processor has the highest percent availability
HIGH
2006 MasterCard
D A I L Y P R O C E S S O R P E R F O R M A N C E R E P O R T CALENDAR DATE 06/13/05
3-142
ACQUIRING PROCESSOR PAGE 2
Reports
PROCESSOR : TEST NETWORK

% AVAIL TOTAL
FINANCIAL TRANS INQUIRE TRANS STAND-IN FAILED TOTAL PERCENT WITHOUT PERCENT
TIME COUNT RESP TIME COUNT RESP TIME COUNT COUNT COUNT RESP TIME STAND-IN STAND-IN AVAILABLE
Statistical Reports
____ _________________ __________________ ________ _______ _________________ _________ _________ __________
00:00 4 1.000 0 .000 0 1 5 1.000 0.00 % 80.00 % 80.00 %

01:00 1 .000 0 .000 0 1 2 .000 0.00 % 50.00 % 50.00 %
02:00 2 .500 0 .000 0 1 3 .500 0.00 % 66.66 % 66.66 %
03:00 2 .500 0 .000 0 0 2 .500 0.00 % 100.00 % 100.00 %
04:00 2 .500 0 .000 0 0 2 .500 0.00 % 100.00 % 100.00 %
05:00 1 1.000 0 .000 0 0 1 1.000 0.00 % 100.00 % 100.00 %
06:00 0 .000 0 .000 0 0 0 .000 0.00 % 100.00 % 100.00 %
07:00 3 1.000 0 .000 0 0 3 1.000 0.00 % 100.00 % 100.00 %
08:00 0 .000 0 .000 0 0 0 .000 0.00 % 100.00 % 100.00 %
09:00 10 .600 0 .000 0 0 10 .600 0.00 % 100.00 % 100.00 %
10:00 30 .466 0 .000 0 2 32 .466 0.00 % 93.75 % 93.75 %
11:00 1 .000 0 .000 0 0 1 .000 0.00 % 100.00 % 100.00 %
12:00 0 .000 0 .000 0 0 0 .000 0.00 % 100.00 % 100.00 %
13:00 3 .666 0 .000 0 0 3 .666 0.00 % 100.00 % 100.00 %
14:00 9 .666 2 1.000 0 0 11 .727 0.00 % 100.00 % 100.00 %
15:00 27 .629 7 .571 0 0 34 .617 0.00 % 100.00 % 100.00 %
16:00 3 1.000 0 .000 0 0 3 1.000 0.00 % 100.00 % 100.00 %
17:00 0 .000 0 .000 0 0 0 .000 0.00 % 100.00 % 100.00 %
18:00 0 .000 0 .000 0 0 0 .000 0.00 % 100.00 % 100.00 %
19:00 0 .000 0 .000 0 0 0 .000 0.00 % 100.00 % 100.00 %
20:00 0 .000 0 .000 0 0 0 .000 0.00 % 100.00 % 100.00 %
21:00 0 .000 0 .000 0 0 0 .000 0.00 % 100.00 % 100.00 %
22:00 0 .000 0 .000 0 0 0 .000 0.00 % 100.00 % 100.00 %
23:00 0 .000 0 .000 0 0 0 .000 0.00 % 100.00 % 100.00 %
TOTAL 98 .602 9 .667 0 5 112 .607 0.00 % 95.53 % 95.53 %

PEAK MINUTE/TRANSACTION: 15.11/ 7
PEAK HOUR /TRANSACTION: 15.00/ 34
AVAILABILITY % LOW : 1.00/ 50.000
AVAILABILITY % HIGH : 3.00/100.000
Figure 3.67SWCHD320-1 Daily Processor Performance Report (1 of 2)Acquiring Processor
2006 MasterCard
D A I L Y P R O C E S S O R P E R F O R M A N C E R E P O R T CALENDAR DATE 06/13/05
% AVAIL TOTAL
FINANCIAL TRANS INQUIRE TRANS STAND-IN FAILED TOTAL PERCENT WITHOUT PERCENT
TIME COUNT RESP TIME COUNT RESP TIME COUNT COUNT COUNT RESP TIME STAND-IN STAND-IN AVAILABLE
2006 MasterCard
____ _________________ __________________ ________ _______ _________________ _________ _________ __________
00:00 4 1.000 0 .000 0 1 5 1.000 0.00 % 80.00 % 80.00 %

01:00 1 .000 0 .000 0 1 2 .000 0.00 % 50.00 % 50.00 %
02:00 2 .500 0 .000 0 1 3 .500 0.00 % 66.66 % 66.66 %
03:00 2 .500 0 .000 0 0 2 .500 0.00 % 100.00 % 100.00 %
04:00 2 .500 0 .000 0 0 2 .500 0.00 % 100.00 % 100.00 %
05:00 1 1.000 0 .000 0 0 1 1.000 0.00 % 100.00 % 100.00 %
06:00 0 .000 0 .000 0 0 0 .000 0.00 % 100.00 % 100.00 %
07:00 3 1.000 0 .000 0 0 3 1.000 0.00 % 100.00 % 100.00 %
08:00 0 .000 0 .000 0 0 0 .000 0.00 % 100.00 % 100.00 %
09:00 10 .600 0 .000 0 0 10 .600 0.00 % 100.00 % 100.00 %
10:00 30 .466 0 .000 0 2 32 .466 0.00 % 93.75 % 93.75 %

11:00 1 .000 0 .000 0 0 1 .000 0.00 % 100.00 % 100.00 %
12:00 0 .000 0 .000 0 0 0 .000 0.00 % 100.00 % 100.00 %
13:00 3 .666 0 .000 0 0 3 .666 0.00 % 100.00 % 100.00 %
14:00 9 .666 2 1.000 0 0 11 .727 0.00 % 100.00 % 100.00 %
15:00 27 .629 7 .571 0 0 34 .617 0.00 % 100.00 % 100.00 %
16:00 3 1.000 0 .000 0 0 3 1.000 0.00 % 100.00 % 100.00 %
17:00 0 .000 0 .000 0 0 0 .000 0.00 % 100.00 % 100.00 %
18:00 0 .000 0 .000 0 0 0 .000 0.00 % 100.00 % 100.00 %
19:00 0 .000 0 .000 0 0 0 .000 0.00 % 100.00 % 100.00 %
20:00 0 .000 0 .000 0 0 0 .000 0.00 % 100.00 % 100.00 %
21:00 0 .000 0 .000 0 0 0 .000 0.00 % 100.00 % 100.00 %
22:00 0 .000 0 .000 0 0 0 .000 0.00 % 100.00 % 100.00 %
23:00 0 .000 0 .000 0 0 0 .000 0.00 % 100.00 % 100.00 %
TOTAL 98 .602 9 .667 0 5 112 .607 0.00 % 95.53 % 95.53 %

PEAK HOUR /TRANSACTION: 15.00/ 34
AVAILABILITY % LOW : 1.00/ 50.000
Figure 3.68SWCHD320-1 Daily Processor Performance Report (2 of 2)Issuing Processor
3-143
Reports
Statistical Reports
Reports
Statistical Reports
Processor Peak Performance ReportSWCHD321-1

Description: This report shows the processors highest level of transaction

volume for the day listed on the report. It identifies processor
level transaction volume, response time to authorization
requests, and processor availability, on an hourly basis.
The report contains separate pages for the processor as

acquirer and issuer.
Frequency: Daily

MasterCard OnLine.
Field Description
TIME The hour the statistics were collected.
FINANCIAL TRANS Total number of financial transactions per hour.
COUNT The total transaction count per hour per category.
RESP TIME The average response time (in seconds) for the total transaction count for each hour.
INQUIRE TRANS Total number of balance inquiry transactions per hour.
FAILED TRANS Total number of denied transactions per hour.
COUNT
TOTAL The total transaction per hour (financial, inquiries and denials).
TRANSACTIONS
2006 MasterCard
Reports
Statistical Reports
Field Description
PERCENT The percentage of time per hour that the processor is available.
AVAILABLE
Total Fields Display at the bottom of each page
TRANSACTION
PEAK HOUR/ The hour the processor has the highest volume and the transaction count.
TRANSACTION
AVAILABILITY % The hour the processor has the lowest percent availability.
LOW
AVAILABILITY % The hour the processor has the highest percent availability.
HIGH
2006 MasterCard
P R O C E S S O R P E A K P E R F O R M A N C E R E P O R T RUN DATE 6/14/05
3-146
ACQUIRER PROCESSOR PAGE 1
Reports
PEAK HOUR OCCURRENCE DATE: 05/26/04

FAILED
FINANCIAL TRANS INQUIRE TRANS TRANS TOTAL TRANSACTIONS PERCENT
Statistical Reports
TIME COUNT RESP TIME COUNT RESP TIME COUNT COUNT RESP TIME AVAILABLE
_____ _________________ _________________ _________ ___________________ _________
00:00 0 .000 0 .000 0 0 .000 100.00 %

01:00 0 .000 0 .000 0 0 .000 100.00 %
02:00 0 .000 0 .000 0 0 .000 100.00 %
03:00 0 .000 0 .000 0 0 .000 100.00 %
04:00 0 .000 0 .000 0 0 .000 100.00 %
05:00 0 .000 0 .000 0 0 .000 100.00 %
06:00 0 .000 0 .000 0 0 .000 100.00 %
07:00 0 .000 0 .000 0 0 .000 100.00 %
08:00 0 .000 0 .000 0 0 .000 100.00 %
09:00 0 .000 0 .000 0 0 .000 100.00 %
10:00 7 3.571 2 .500 0 9 2.888 100.00 %
11:00 5,839 .285 1,330 .295 0 7,169 .287 100.00 %
12:00 2,794 .263 630 .252 0 3,424 .261 100.00 %
13:00 16 .562 8 .000 0 24 .375 100.00 %
14:00 10 .625 0 .000 0 10 .625 100.00 %
15:00 7 .000 0 .000 0 7 .000 100.00 %
16:00 4 1.750 0 .000 0 4 1.750 100.00 %
17:00 0 .000 0 .000 0 0 .000 100.00 %
18:00 0 .000 0 .000 0 0 .000 100.00 %
19:00 0 .000 0 .000 0 0 .000 100.00 %
20:00 0 .000 0 .000 0 0 .000 100.00 %
21:00 0 .000 0 .000 0 0 .000 100.00 %
22:00 0 .000 0 .000 0 0 .000 100.00 %
23:00 0 .000 0 .000 0 0 .000 100.00 %
TOTAL 8,677 .283 1,970 .281 0 10,647 .282 100.00 %

PEAK HOUR /TRANSACTION: 11.00/ 7,169
AVAILABILITY % LOW : 0.00/100.000
Figure 3.69SWCHD321-1 Processor Peak Performance Report (1 of 2)Acquirer Processor
2006 MasterCard
P R O C E S S O R P E A K P E R F O R M A N C E R E P O R T RUN DATE 6/14/05
PEAK HOUR OCCURRENCE DATE: 05/26/04
FAILED
2006 MasterCard
_____ _________________ _________________ _________ ___________________ _________
00:00 0 .000 0 .000 0 0 .000 100.00 %

01:00 0 .000 0 .000 0 0 .000 100.00 %
02:00 0 .000 0 .000 0 0 .000 100.00 %
03:00 0 .000 0 .000 0 0 .000 100.00 %
04:00 0 .000 0 .000 0 0 .000 100.00 %
05:00 0 .000 0 .000 0 0 .000 100.00 %
06:00 0 .000 0 .000 0 0 .000 100.00 %
07:00 0 .000 0 .000 0 0 .000 100.00 %
08:00 0 .000 0 .000 0 0 .000 100.00 %
09:00 0 .000 0 .000 0 0 .000 100.00 %

10:00 7 3.571 2 .500 0 9 2.888 100.00 %
11:00 5,839 .285 1,330 .295 0 7,169 .287 100.00 %
12:00 2,794 .263 630 .252 0 3,424 .261 100.00 %
13:00 16 .562 8 .000 0 24 .375 100.00 %
14:00 10 .625 0 .000 0 10 .625 100.00 %
15:00 7 .000 0 .000 0 7 .000 100.00 %
16:00 4 1.750 0 .000 0 4 1.750 100.00 %
17:00 0 .000 0 .000 0 0 .000 100.00 %
18:00 0 .000 0 .000 0 0 .000 100.00 %
19:00 0 .000 0 .000 0 0 .000 100.00 %
20:00 0 .000 0 .000 0 0 .000 100.00 %
21:00 0 .000 0 .000 0 0 .000 100.00 %
22:00 0 .000 0 .000 0 0 .000 100.00 %
23:00 0 .000 0 .000 0 0 .000 100.00 %
TOTAL 8,677 .283 1,970 .281 0 10,647 .282 100.00 %

Figure 3.70SWCHD321-1 Processor Peak Performance Report (2 of 2)Issuing Processor
3-147
Reports
Statistical Reports
Reports
Statistical Reports
Processor Daily Summary Performance ReportSWCHD321-2

Description: This report shows the processors highest level of transaction

volume for the day listed on the report. It identifies processor
level transaction volume, response time to authorization
requests, and processor availability, on an hourly basis.
This report combines acquirer and issuer transaction activity.
Frequency: Daily

MasterCard OnLine.
Field Description
TIME The hour the statistics were collected
FINANCIAL Total number of financial transactions per hour
TRANS
INQUIRE TRANS Total number of balance inquiry transactions per hour
FAILED TRANS Total number of denied transactions per hour
COUNT
TOTAL The total transaction per hour (financial, inquiries, and denials)
TRANSACTIONS
2006 MasterCard
Reports
Statistical Reports
Field Description
PERCENT The percentage of time per hour that the processor is available
AVAILABLE
Total FieldsDisplay at the bottom of each page.
TRANSACTION
PEAK HOUR/ The hour the processor has the highest volume and the transaction count
TRANSACTION
AVAILABILITY % The hour the processor has the lowest percent availability
LOW
AVAILABILITY % The hour the processor has the highest percent availability
HIGH
PEAK PROCESSOR The utilization is computed by estimating the peak transactions per hour that a
CAPACITY processor can perform, based on that processors network configuration and
UTILIZATION calculating the actual peak hour transactions against the value for a percentage used
during that hour.
2006 MasterCard
P R O C E S S O R P E A K C A P A C I T Y RUN DATE 6/14/05
3-150
PEAK HOUR OCCURRENCE DATE: 05/26/04 PAGE 132
Reports
ISSUER/AQUIRER COMBINED
FAILED
Statistical Reports
_____ _________________ _________________ _________ ___________________ _________
00:00 0 .000 0 .000 0 0 .000 100.00 %

01:00 0 .000 0 .000 0 0 .000 100.00 %
02:00 0 .000 0 .000 0 0 .000 100.00 %
03:00 0 .000 0 .000 0 0 .000 100.00 %
04:00 0 .000 0 .000 0 0 .000 100.00 %
05:00 0 .000 0 .000 0 0 .000 100.00 %
06:00 0 .000 0 .000 0 0 .000 100.00 %
07:00 0 .000 0 .000 0 0 .000 100.00 %
08:00 0 .000 0 .000 0 0 .000 100.00 %
09:00 0 .000 0 .000 0 0 .000 100.00 %
10:00 14 3.571 4 .500 0 18 2.888 100.00 %
11:00 11,678 .285 2,660 .295 0 14,338 .287 100.00 %
12:00 5,586 .263 1,260 .252 0 6,848 .261 100.00 %
13:00 32 .562 16 .000 0 48 .375 100.00 %
14:00 16 .625 0 .000 0 20 .625 100.00 %
15:00 2 .000 0 .000 0 14 .000 100.00 %
16:00 8 1.750 0 .000 0 8 1.750 100.00 %
17:00 0 .000 0 .000 0 0 .000 100.00 %
18:00 0 .000 0 .000 0 0 .000 100.00 %
19:00 0 .000 0 .000 0 0 .000 100.00 %
20:00 0 .000 0 .000 0 0 .000 100.00 %
21:00 0 .000 0 .000 0 0 .000 100.00 %
22:00 0 .000 0 .000 0 0 .000 100.00 %
23:00 0 .000 0 .000 0 0 .000 100.00 %
TOTAL 17,336 1.176 3,940 .349 0 21,294 1.031 100.00 %

PEAK PROCESSOR CAPACITY UTILIZATION: 0.000
Figure 3.71SWCHD321-2 Processor Peak Capacity ReportIssuer/Acquirer Combined
2006 MasterCard
Reports
Statistical Reports
Transaction Interchange Month-to-DateSWCHM03

Purpose: The acquiring report reflects the types of transactions other
cardholders performed at the processors terminals. The
cardholder report reflects the types of transactions that the
processors cardholders performed at other processors
terminals. (This may be helpful for marketing analysis.)
Description: This report provides summary information on the number of

transactions interchanged with other processors connected to
the MDS by product. The MDS produces this report daily with
month-to-date totals.
The report lists the processors on the left side in processor

number order.

MasterCard OnLine.

Refer to Table 3.31 for a description of the SWCHM03 report fields.
Table 3.31SWCHM03 Fields
Field Description
FieldsDisplay to the left of the page.
DDA W/D Cash withdrawal from a demand deposit account (DDA) or checking account
SAV W/D Cash withdrawal from savings
CCD W/D Cash advance from credit card
NO ACCT Cash withdrawalNo Account Specified. The issuer will determine which account
to debit.
TRANSFERS Funds transferred between checking (DDA) and savings (SAV).
INQUIRY Account balance transactions
REVERSAL List of exception items processed through MDS
DENIED Includes all transactions denied by the issuer or the MDS
2006 MasterCard
Reports
Statistical Reports
Field Description
FOREIGN All transactions that are routed to the MDS, but do not participate in the products
CARDS supported by the MDS
PUR C/B POS purchase with cash back
PUR SCRIP Purchases made with a voucher dispensed by a scrip terminal (POS only)
PUR Purchases made at a POS terminal
CORRECTION Transactions that correct an error that the merchant discovers after the cardholder
has left the Point-of-Sale device
LOAD Load cash onto Mondex chip card
UNLOAD Unload cash from Mondex chip card
RISK M Risk Management transaction for the Mondex chip card
2006 MasterCard
SWCHM03 M A S T E R C A R D D E B I T S W I T C H WORK OF 07/10/05
T R A N S A C T I O N I N T E R C H A N G E PAGE 22
M O N T H - T O - D A T E F O R : J U L Y
PROCESSOR : TEST MEMBER
TRANSACTION SUMMARY AS ACQUIRING PROCESSOR
MASTERCARD
MASTERCARD CIRRUS PLUS VISA MAESTRO DEBIT OTHER TOTAL
2006 MasterCard
______________________________________________________________________________________________
9000000689 FIRST MEMBER
CASH WD SAV 0 0 0 0 8 0 0 8
CASH WD DDA 0 0 0 0 23 0 0 23
CASH ADV CREDIT CARD 0 0 0 0 13 0 0 13
BALANCE INQ 0 0 0 0 14 0 0 14
DENIED 0 0 0 0 27 0 0 27
TOTAL 0 0 0 0 85 0 0 85
9000000690 SECOND MEMBER
CASH WD SAV 0 0 0 0 34 0 0 34
CASH WD DDA 0 0 0 0 73 0 0 73
BALANCE INQ 0 0 0 0 54 0 0 54

DENIED 0 0 0 0 74 0 0 74
TOTAL 0 0 0 0 329 0 0 329
9000000691 THIRD MEMBER
CASH WD SAV 0 0 0 0 37 0 0 37
CASH WD DDA 0 0 0 0 149 0 0 149
BALANCE INQ 0 0 0 0 61 0 0 61
DENIED 0 0 0 0 117 0 0 117
TOTAL 0 0 0 0 418 0 0 418
GRAND TOTALS
CASH WD SAV 83 9,982 0 0 2,816 0 0 12,881
CASH WD DDA 385 45,209 0 0 16,852 0 0 62,446
CASH ADV CREDIT CARD 1,454 8,901 0 0 1,111 0 0 11,466
TRANSFER SAV TO DDA 1 130 0 0 19 0 0 150
TRANSFER DDA TO SAV 0 13 0 0 0 0 0 13
BALANCE INQ 124 7,614 0 0 3,170 0 0 10,908
REVERSAL 0 18 0 0 3 0 0 21
FOREIGN CARDS 0 90 0 0 0 0 0 90
DENIED 1,134 16,327 0 0 4,231 0 0 21,692
TOTAL 3,181 88,284 0 0 28,202 0 0 119,667
Figure 3.72SWCHM03 Transaction Interchange, Month-to-Date Report (1 of 2)
3-153
Reports
Statistical Reports
SWCHM03 M A S T E R C A R D D E B I T S W I T C H WORK OF 07/10/05
T R A N S A C T I O N I N T E R C H A N G E PAGE 24
3-154
M O N T H - T O - D A T E F O R : J U L Y
Reports
PROCESSOR : TEST MEMBER

TRANSACTION SUMMARY AS CARD PROCESSOR
MASTERCARD
Statistical Reports
MASTERCARD CIRRUS PLUS VISA MAESTRO DEBIT OTHER TOTAL

______________________________________________________________________________________________
9000000991 TEST MEMBER #1
CASH WD DDA 0 8 0 0 0 0 0 8
BALANCE INQ 0 5 0 0 0 0 0 5
DENIED 0 3 0 0 0 0 0 3
TOTAL 0 16 0 0 0 0 0 16
CASH WD DDA 0 1 0 0 0 0 0 1
TOTAL 0 1 0 0 0 0 0 1
CASH WD DDA 0 1 0 0 0 0 0 1
TOTAL 0 1 0 0 0 0 0 1
CASH WD SAV 0 2 0 0 0 0 0 2
TOTAL 0 2 0 0 0 0 0 2
GRAND TOTALS
ATM PURCHASE 0 18 0 0 0 0 0 18
CASH WD SAV 0 15,223 0 0 109 0 0 15,332
CASH WD DDA 0 46,072 0 0 797 0 0 46,869
CASH WD NAS 0 3,549 0 0 122 0 0 3,671
TRANSFER SAV TO DDA 0 214 0 0 1 0 0 215
TRANSFER DDA TO SAV 0 30 0 0 1 0 0 31
BALANCE INQ 0 8,790 0 0 220 0 0 9,010
REVERSAL 0 23 0 0 0 0 0 23
DENIED 0 13,076 0 0 397 0 0 13,473
CORRECTION 0 2 0 0 0 0 0 2
TOTAL 0 87,064 0 0 1,647 0 0 88,711
Figure 3.73SWCHM03 Transaction Interchange, Month-to-Date Report (2 of 2)
2006 MasterCard
Reports
Statistical Reports
Month-to-Date Processing Summary ReportSWCHM06

rates to ensure that they comply with network standards and
to highlight the differences in debit and credit performance.
Description: This report provides a month-to-date summary of the

processors performance by response code and completion
code. This report lists a count of stand-in transactions that
occurred at the time of MDS Stand-In processing support by
transaction type.
The MDS segregates this report into debit and credit activity
based on the prefix (BIN) functionality as an acquirer and card
processor.
Frequency: Daily with month-to-date totals

MasterCard OnLine.

Field Description
DEBIT or CREDIT The MDS generates separate reports for debit and credit activity. This heading
(Heading) displays at the top of the page beside Processor name to identify the report.
DESCRIPTION The explanation of transaction types by the Response Code and Completion Code.
Transaction Approved
Transaction Not Approved with Subtotal
Each category will have a Subtotal providing total for trans counts and
percentages.
2006 MasterCard
Reports
Statistical Reports
Field Description
RESPONSE CODE The Response Code number assigned to each description. An (S) indicates that
the MDS generated the response.
% OF TOTAL Percentage of total transactions by Response and Completion Code
STAND-IN COUNT Number of transactions processed by MDS Stand-In.
description.
rejected.
TOTAL DEBIT/CREDIT Total number of debit/credit transactions.
DEBIT FAIL % or The credit and debit fail percentages for acquiring processors are calculated
CREDIT FAIL % as: [Format error (S30) + Invalid dollar amount (S13) + ATM proc or owning
invalid (S92) + ATM processor inoperative (S80)] divided by [Total transaction
count - cardholder proc not found (S15)].
DEBIT/CREDIT FAIL % The debit/credit fail percentage for acquiring processors is calculated as:
[Format error (S30) + Invalid dollar amount (S13) + ATM proc or owning
invalid (S92) + ATM processor inoperative (S80) {for both debit and credit}]
divided by total debit/credit.
The debit/credit fail percentage for card processors is calculated as:
cardholder proc inoperative non-billable (S91) {for both debit and credit}]
divided by total debit/credit.
MASTERCARD DEBIT This is the count total of MasterCard debit transactions. These numbers are not
TRANSACTIONS included in the report computations.
SYSTEM DENIAL RATE Is calculated as: [Unable to process financial (96) + cardholder proc inoperative
FINANCIAL financial (91)] divided by [Total transaction count - cardholder proc inoperative
2006 MasterCard
SWCHM06 M A S T E R C A R D D E B I T S W I T C H
REPORT 3 MONTH-TO-DATE P R O C E S S I N G S U M M A R Y WORK OF 03/10/06
M O N T H O F M A R C H
PROCESSOR : TEST BANK ---------- D E B I T ----------

2006 MasterCard

NORMAL 12,384 70.83 3 0.02 12,387 70.85
BALANCE 1,955 11.18 0 0.00 1,955 11.18
ATM FAILURE 0018 32 0.18 0 0.00 32 0.18
UNKNOWN MESSAGE RECEIVED 0000 3 0.02 0 0.00 3 0.02
CAPTURE CARD 04 18 0.10 0 0.00 18 0.10
DO NOT HONOR 05 51 0.29 0 0.00 51 0.29
INVALID TRANSACTION 12 13 0.07 0 0.00 13 0.07

INVALID TRANSACTION NON FINANCIAL (S)12 17 0.10 0 0.00 17 0.10
INVALID CARDHOLDER NUMBER 14 16 0.09 0 0.00 16 0.09
INVALID ISSUER 15 905 5.18 0 0.00 905 5.18
STOP RECURRING PAYMENT 21 1 0.00 0 0.00 1 0.00
FORMAT ERROR 30 4 0.02 0 0.00 4 0.02
LOST CARD 41 7 0.04 0 0.00 7 0.04
STOLEN CARD 43 2 0.01 0 0.00 2 0.01
EXPIRED CARD 54 20 0.11 0 0.00 20 0.11
TRANSACTION NOT PERM. TO ISS OR ACQ 57 212 1.21 0 0.00 212 1.21
EXCEEDS WITHDRAWAL LIMIT 61 444 2.54 0 0.00 444 2.54
RESTRICTED CARD 62 36 0.21 0 0.00 36 0.21
ERROR IN DECRYPTION OF PIN BLOCK 63 1 0.01 0 0.00 1 0.01
ALLOWABLE NUMBER OF PIN TRIES EXCEED 75 89 0.51 0 0.00 89 0.51
INVALID ACCOUNT SPECIFIED 78 30 0.17 0 0.00 30 0.17
SYSTEM NOT AVAILABLE 80 19 0.11 0 0.00 19 0.11
CARDHOLDER PROC INOP INQUIRY 91 42 0.24 0 0.00 42 0.24
TRANSACTION NOT APPROVED SUBTOTAL 3,107 17.77 0 0.00 3,107 17.77
T O T A L 17,481 99.98 3 0.02 17,484 100.00

DEBIT FAIL % 0.12
Figure 3.74 SWCHM06 Month-To-Date Processing Summary Report (1 of 4)Acquiring Processor
3-157
Reports
Statistical Reports
3-158
Reports
PROCESSOR : TEST BANK --------- C R E D I T ---------

Statistical Reports


NORMAL 1,591 58.26 0 0.00 1,591 58.26
BALANCE 283 10.36 283 10.36
ATM FAILURE 0018 3 0.11 0 0.00 3 0.11

CAPTURE CARD 04 5 0.18 0 0.00 5 0.18
DO NOT HONOR 05 29 1.06 0 0.00 29 1.06
INVALID TRANSACTION 12 21 0.77 0 0.00 21 0.77
FORMAT ERROR (S)30 1 0.04 0 0.00 1 0.04
EXPIRED CARD 54 5 0.18 0 0.00 5 0.18
TRANSACTION NOT PERM. TO ISS OR ACQ 57 137 5.02 0 0.00 137 5.02
RESTRICTED CARD 62 25 0.92 0 0.00 25 0.92
ATM PROC OR OWNING INVALID 92 2 0.07 0 0.00 2 0.07
UNABLE TO PROCESS FINANCIAL 96 5 0.18 0 0.00 5 0.18
T O T A L 2,731 100.00 0 0.00 2,731 100.00
T O T A L DEBIT/CREDIT 20,212 3 20,215
CREDIT FAIL % 0.10

Figure 3.75SWCHM06 Month-To-Date Processing Summary Report (2 of 4)Acquiring Processor
2006 MasterCard
PROCESSOR : TEST BANK ---------- D E B I T ----------

2006 MasterCard
NORMAL 55,367 80.66 7 0.01 55,374 80.67
BALANCE 6,127 8.93 0 0.00 6,127 8.93
ATM FAILURE 0018 292 0.43 8 0.01 300 0.44
ATM TIMEOUT 0019 13 0.02 4 0.01 17 0.02
CUSTOMER TIMEOUT 0040 1 0.00 3 0.00 4 0.01
CUSTOMER CANCEL 0041 3 0.00 0 0.00 3 0.00
UNKNOWN MESSAGE RECEIVED 0000 1 0.00 0 0.00 1 0.00
SWCH DENIED INVALID DATA 0000 1 0.00 0 0.00 1 0.00


CAPTURE CARD 04 87 0.13 0 0.00 87 0.13
DO NOT HONOR 05 30 0.04 0 0.00 30 0.04
FORMAT ERROR (S)30 94 0.14 0 0.00 94 0.14
LOST CARD 41 29 0.04 0 0.00 29 0.04
STOLEN CARD 43 11 0.02 0 0.00 11 0.02
INSUFFICIENT FUNDS 51 1,972 2.87 0 0.00 1,972 2.87
EXPIRED CARD 54 134 0.20 0 0.00 134 0.20
INVALID PIN,ALLOW CUSTOMER RETRY 55 2,671 3.89 0 0.00 2,671 3.89
EXCEEDS WITHDRAWAL LIMIT 61 1,231 1.79 0 0.00 1,231 1.79
ERROR IN DECRYPTION OF PIN BLOCK 63 2 0.00 0 0.00 2 0.00
TRANSACTION NOT APPROVED SUBTOTAL 6,768 9.86 0 0.00 6,768 9.86
T O T A L 68,623 99.97 22 0.03 68,645 100.00
DEBIT FAIL % 0.00

DISCOUNTED DEBIT FAIL % 0.00
DEBIT SYSTEM DENIAL RATE FINANCIAL 0.00
Figure 3.76SWCHM06 Month-To-Date Processing Summary Report (3 of 4)Issuing Processor
3-159
Reports
Statistical Reports
3-160
Reports
PROCESSOR : TEST BANK --------- C R E D I T ---------

Statistical Reports


NORMAL 1,724 75.78 0 0.00 1,724 75.78
BALANCE 210 9.23 0 0.00 210 9.23
ATM FAILURE 0018 10 0.44 0 0.00 10 0.44
ATM TIMEOUT 0019 1 0.04 0 0.00 1 0.04
CUSTOMER CANCEL 0041 3 0.13 0 0.00 3 0.13
CAPTURE CARD 04 1 0.04 0 0.00 1 0.04

FORMAT ERROR (S)30 4 0.18 0 0.00 4 0.18
STOLEN CARD 43 1 0.04 0 0.00 1 0.04
EXPIRED CARD 54 2 0.09 0 0.00 2 0.09
T O T A L 2,275 100.00 0 0.00 2,275 100.00

T O T A L DEBIT/CREDIT 70,898 22 70,920
CREDIT FAIL % 0.00
DISCOUNTED CREDIT FAIL % 0.00
DISCOUNTED DEBIT/CREDIT FAIL % 0.00
CREDIT SYSTEM DENIAL RATE FINANCIAL 0.00
DEBIT/CREDIT SYSTEM DENIAL RATE FINANCIAL 0.00
Figure 3.77SWCHM06 Month-To-Date Processing Summary Report (4 of 4)Issuing Processor
2006 MasterCard
Reports
Statistical Reports
Month-to-Date Denial Summary ReportSWCHM07

Purpose: Processors use this report to evaluate performance.
Description: This report is a summary of all the denial response codes

issued to the issuing processor. In each column listed across
the top of the report is the number of transactions and
percentages to correspond with each response code. (The
report separates them in Debit, Credit, and Total.)
This report accumulates totals to date on a daily basis.

MasterCard OnLine.
Note This report only logs the transaction detail for the issuing processor.
Issuer
Field Description
Data FieldsDisplay to the left of the page.
TOTAL Includes timeouts and inoperative (S91) responses.
CARDHOLDER
FAILURES
TOTAL TERMINAL These totals reflect the processors cardholders at other network processors
PROCESSOR Terminals. Includes format errors (30, S30, 92, S92) and inoperative (S80).
FAILURES
TOTAL FAILURES This represents a sub-total of transactions for Total Cardholder Failures and Total
Terminal processor Failures.
2006 MasterCard
Reports
Statistical Reports
Field Description
TOTAL Includes Inoperative (91), and Unable to Process (96).
SYSTEMATIC
PROCESSOR
DENIALS
TOTAL POLICY It is the sum of transactions with the following Response Codes:
PROCESSOR Invalid Transaction Selection (12, S12, 57, 58)
DENIALS
Invalid Dollar Amount (13, S13)
Exceeds Withdrawal Limit (61)
Invalid PIN (55, 75)
Bad Account Selection (14, 78)
Hot Account (41, 43, 62, 04)
Expired Card (54)
Insufficient Funds (51)
Invalid Interchange
Do Not Honor (01, 05)
TOTAL DENIALS A subtotal transaction count and percent by debit and credit, and a combined total
for systematic processor denials and policy processor denials.
TOTAL A subtotal of transaction count and percent by debit and credit, and a combined
TURNDOWNS total for cardholder failures, terminal processor failures, systematic processor denials,
and policy processor denials.
TOTAL This total represents a sum of all approved transactions including: financials,
APPROVED balances, and address verifications.
TRANSACTIONS Transactions Approved (00)
Balance Inquiries (00)
AVS/EC Certificate Auth Approval (85)
TOTAL The total number of all transactions for the month to date. Including all declined
TRANSACTIONS and approved transaction counts and percent by, debit and credit, and a combined
total.
2006 MasterCard
MONTH-TO-DATE D E N I A L S U M M A R Y R E P O R T SETTLEMENT DATE: 03/10/06
M O N T H O F M A R C H PAGE 3
I S S U E R
-------- DEBIT ------- -------- CREDIT ------ -------- TOTAL -------
2006 MasterCard
NUMBER PERCENT NUMBER PERCENT NUMBER PERCENT
ISSUER PROCESSOR TIMEOUTS (S91) 2 0.02 0 0.00 2 0.02

ISSUER PROCESSOR INOPERATIVE (S91) 8 0.09 0 0.00 8 0.09
TOTAL ISSUER FAILURES 10 0.11 0 0.00 10 0.11
* FORMAT ERRORS (S30,30,92) 37 0.41 0 0.00 37 0.41
* ACQUIRER PROCESSOR INOPERATIVE (S80) 0 0.00 0 0.00 0 0.00
* TOTAL ACQUIRER PROCESSOR FAILURES 37 0.41 0 0.00 37 0.41
TOTAL FAILURES 47 0.52 0 0.00 47 0.52
ISSUER UNAVAILABLE INQUIRY (S91,91) 0 0.00 0 0.00 0 0.00

ISSUER UNAVAILABLE FINANCIAL (91) 0 0.00 0 0.00 0 0.00

ISSUER UNABLE TO PROCESS INQUIRY (96) 0 0.00 0 0.00 0 0.00
ISSUER UNALBE TO PROCESS FINANCIAL(96) 0 0.00 0 0.00 0 0.00
TOTAL ISSUER SYSTEMIC DENIALS 0 0.00 0 0.00 0 0.00
INVALID TRANS SELECTION (S12,12,57,58) 368 4.14 0 0.00 368 4.14

INVALID AMOUNT (13,S13) 0 0.00 0 0.00 0 0.00
EXCEEDS WITHDRAWAL LIMIT (61,65) 744 8.38 0 0.00 744 8.38
INVALID PIN (55,75) 169 1.90 0 0.00 169 1.90
INVALID ACCOUNT SELECTION(14,78) 28 0.31 0 0.00 28 0.31
STATUSED ACCOUNT (41,43,62,04) 59 0.66 0 0.00 59 0.66
EXPIRED CARD (54) 0 0.00 0 0.00 0 0.00
INSUFFICIENT FUNDS (51) 715 8.05 0 0.00 715
INVALID INTERCHANGE 0 0.00 0 0.00 0 0.00
DO NOT HONOR (01,05) 49 0.55 0 0.00 49 0.55
TOTAL ISSUER POLICY DENIALS 2,132 24.02 0 0.00 2,132 24.02
TOTAL DENIALS 2,132 24.02 0 0.00 2,132 24.02
TOTAL DECLINES 2,179 24.55 0 0.00 2,179 24.55
FINANCIAL TRANSACTIONS APPROVED(00,10) 6,078 68.49 0 0.00 6,078 68.49

Figure 3.78SWCHM07 Month-To-Date Denial Summary ReportIssuer
INQUIRY TRANSACTIONS APPROVED (00) 617 6.95 0 0.00 617 6.95

AVS/EC CERTIFICATE AUTH APPROVAL (85) 0 0.00 0 0.00 0 0.00
TOTAL APPROVED TRANSACTIONS 6,695 75.44 0 0.00 6,695 75.44
TOTAL TRANSACTIONS 8,874 100.00 0 0.00 8,874 100.00
* FAILURES ENCOUNTERED BY OTHER CIRRUS TERMINAL PROCESSORS
3-163
Reports
Statistical Reports
Reports
ISIS Reports
ISIS Reports
Oct
ISIS supports the settlement of local transactions submitted in currencies other 2006
than U.S. dollars. It also supports intra-currency settlement. It enables
participating members to establish unique interchange fees for their intra-
currency arrangement transactions and to operate on their own holiday
schedule.
ISIS transactions are displayed on the reports in the designated currency of the
ISIS agreement. The SWCHD363 Daily Control Report will detail each ISIS
settlement currency supported within a processor. ISIS Agreement detail,
settlement service information, settlement currency and country information
are reported to further define ISIS financial and interchange totals.
Refer to Table 3.5 for a description of the SWCHD363 report fields. Report
samples follow the table.
The SWCHD412 Daily Interchange Report will also detail interchange

information for each ISIS processor by the designated settlement currency.
Detail transaction interchange counts and amounts will be reported on the
SWCHD412 report. Refer to Table 3.6 for a description of the SWCH412 report
fields. Report samples follow the table.
Related ISIS reports are detailed in Table 3.34. These reports enable members
to research, identify and reconcile; transactions, fees, and their net settlement
as reported in their 1740 IPM settlement record.
Oct
ISIS transactions are identified by the PROD TYPE field on the report. The 2006
third position of this field will contain a 2 to uniquely identify the ISIS
transactions.
Table 3.34ISIS Related Reports
Report Number Name Purpose

SWCHD53 Exception Audit Processors use this report to ensure the
MDS has processed all exception items
and to track incoming and outgoing
exception items for the processor.
Processors should use the report to
initiate the research for representments
and to monitor for excessive chargebacks
that could be subject to sanction.
2006 MasterCard
Reports
ISIS Reports
Report Number Name Purpose

Oct
SWCHD55 Detailed Suspect Processors should use this enriched 2006
Items report to determine why a transaction
failed. This report can assist in the
reconciliation process by identifying the
differences between the processors
internal reports and the MDS reports.
SWCHD57, Transaction Audit With MDS Release 06.3, MasterCard will
SWCHD108 Reports no longer send the Transaction Audit
These reports are ReportsSWCHD57 and SWCHD108 to
obsolete but can be members. These reports are obsolete
requested until April and will not be updated or modified in
2007. future releases. Members may use the
250-byte Batch Data File as an alternate
reference to locate information that was
previously found in the Transaction
Audit Reports.
To allow more time to convert to the
250-byte Batch Data File format,
members may request to continue to
receive uninterrupted delivery of these
reports through 3 April 2007.
SWCHD118 Retrieval Request Debit MasterCard processors can use this
Fulfillment report to track and monitor retrievals,
and to ensure that acquirers have
processed and fulfilled retrievals.
SWCHD144 Maestro POS For issuers, the report sequence provides
Transaction Audit tracking capabilities and session
reporting analysis.
For acquirers, the report sequence
enables processors with multiple
corresponding members to review
transactions by Institution and Term ID.
Note Full descriptions of these reports and report examples are found in the Detail
Activity Reports section of this manual.
2006 MasterCard
Reports
Stand-In Reports
Stand-In Reports
Stand-In reports assist processors in monitoring their systems percentage of
availability, withdrawal limits, usage counts, and card statuses for all
transactions the MDS routed to Debit Stand-In during periods the processor
was unavailable. There are two types of Stand-In reports:
NICS Database File reportsThese reports provide the status information of
the VIP Card file and the Hot Card file records.
VIP is any MasterCard Card selected by the member to receive higher
withdrawal limits and usage counts for the individual VIP accounts
during Stand-In activity. They are listed in the Account File with an
entry reason code of V.
A Hot Card is a card being used on an account on which excessive
purchasing is taking place. This may indicate a lost or stolen card or
other unauthorized purchasing.
Oct
Stand-In Transaction reportSWCHD149This report provides the details of 2006
financial transaction activity during Stand-In processing. It is documented
on the following pages.
Related Reports
Additional Stand-In information may be present within other reports. Stand-In
transactions are identified by STND in the RESP Code field on the related
report.
Table 3.35Stand-In Related Reports
Manual
Number Name Purpose Section
SWCHD53 Exception Processors use this reports to ensure Detail Activity
Audit Report the MDS has processed all exception Reports
items and to track incoming and
outgoing exception items for the
processor. Processors should use the
report to initiate the research for
representments and to monitor for
excessive chargebacks that could be
subject to sanction.
2006 MasterCard
Reports
Stand-In Reports
Manual
Number Name Purpose Section
Oct
SWCHD61 Daily Processors should use this report to Statistical 2006
Processing monitor their performance rates to Reports
Summary ensure they comply with network
standards and to highlight the
differences in debit and credit
performance. Processors can use
this report to identify problems such
as PIN failures, invalid account
selection, format errors, and the need
SWCHD147-1 Negative File This report gives members Detail Activity
Updates the ability to track changes Reports
made to the MDS Stand-In
Negative Card file.
SWCHD147-2 VIP File This report gives members the Detail Activity
Updates ability to track changes made to Reports
the MDS Stand-In VIP file.
SWCHD149 Stand-In For issuers, the report provides Stand-In Reports
Transaction tracking capabilities for all
Audit Report transactions that the MDS routed to
Debit Stand-In during periods the
processor was unavailable
SWCHM06 Month-to-DateProcessors should use this report to Statistical
Processing monitor their performance rates to Reports
Summary ensure that they comply with
Report network standards and to highlight
the differences in debit and credit
performance.
Processors can use this report to
identify problems such as PIN failures,
invalid account selection, format errors,
and the need for increased cardholder
education.
2006 MasterCard
Reports
Stand-In Reports
Stand-In Transaction Audit ReportSWCHD149

Purpose: For issuers, the report provides tracking capabilities for all
transactions that the MDS routed to Debit Stand-In during
periods the processor was unavailable.
Description: This is a two-line report used by switch time (SWCH TIME)

order. It details all the financial transactions that were
processed in debit Stand-In. These transactions may be
approved or declined depending on the disposition of the
transaction indicated by the response code.
Frequency: Daily

MasterCard OnLine.

Column HeadingsDisplay across the top of the page. Data related to these headings display first
for each transaction.
REC DATE 7 The date the transaction was processed on the MDS system.
SWCH TIME 7 The time the transaction was processed on the MDS system.
SWCH SERIAL 63 The unique number assigned by the MDS to each transaction processed in
the system.
ACQ NAME 43 The name of the bank/processor acquiring the transaction. This includes
account, and the account type affected.
transaction.
REF NO. 37 Identifies the serial number printed on the customer receipt.
ACQ LOCATION 43 The physical location of the ATM or POS terminal.
2006 MasterCard
Reports
Stand-In Reports

message.
CASH BACK 54 Provides the cash back amount information on a purchase transaction. This
field will be reported in the acquirer processors settlement currency for the
acquirer, and the issuer processors settlement currency for the issuer.
ACCESS INT 28 An additional fee or a surcharge to an ATM transaction. This field will be
reported in the acquirer processors settlement currency for the acquirer, and
the issuer processors settlement currency for the issuer. The acquirer must
clearly present the surcharge amount to the cardholder before completing
the transaction.
ISS INST mx The Card processors Routing and Transit (ABA number.) This number
identifies the card processor to the MDS.
ACQ INST 32 The acquirer processors Routing and Transit Number (ABA number). This
number identifies the acquirer to the MDS. It can identify either an ATM or
POS processor.
Oct
PRODUCT 63 This field identifies the product accessed and the related interchange rate.
2006
MC MasterCard
CI Cirrus
MS Maestro
MD Debit MasterCard
MX Mondex chip card
PL PLUS
VI Visa
CC TRAN 49 The ISO assigned currency code. It indicates the local currency used at the
terminal.
CC STL NA The ISO assigned settlement currency.
CONV RT 9 Currency Conversion rate used to convert local currency to issuer processor
settlement currency amount. The MDS does not provide this information for
CMP LOCAL 4 The completed amount of the transaction in local currency. Local currency
2006 MasterCard
Reports
Stand-In Reports

CMP SETL 5 The completed amount in the settlement currency. The amount of funds to
be transferred between acquirer and issuer processor.
COMPLETED MX Completed amount in the settlement currency of the acquirer processor for
the acquirer, and the settlement currency of the issuer processor for the
issuer.
INT 29 The Interchange Fee is the transferred fee between acquiring and issuer
processor in the settlement currency of the acquirer processor for the
acquirer, and the settlement currency of the issuer processor for the issuer.
RESP 39 The Response Code defines the disposition of a message. Refer to the MDS
Online Specifications manual for additional information about response
codes.
2006 MasterCard
S T A N D - I N T R A N S A C T I O N A U D I T R E P O R T SETTLEMENT DATE: 07/18/05
REC SWCH PROC TRACE CC -----------------AMOUNTS-----------------
2006 MasterCard
DATE SERIAL CODE NO. REF NO. PAN RESP ACQ ISS INST TRN PRODUCT CMP LOCAL COMPLETED ACCESS
07/18 402320049 011000 000029 00805003 0005410411111100009 00 111 010610600 840 MC1 2000 20.00 .00D
021043 US BANK - DHINESH DETROIT MI 111GD 011111108 840 11000000 21.25D 0 1.25D
07/18 403225049 011000 000031 00810007 0005410411111100009 00 111 010610600 840 MC1 2000 20.00 .00D
07/18 404205049 011000 000033 00795005 0005410411111100009 00 111 010610600 840 MC1 20000 200.00 .00D

Figure 3.79SWCHD149 Stand-in Transaction Audit ReportIssuing Processor
3-171
Reports
Stand-In Reports
Reports
Processor Availability Reports

The MDS creates a series of daily reports (based on Issuer transactions) and
that are indexed by Processor number. The four reports available to members
(through eService) showing processor availability are:
MS1100BBDaily Processor Up Time Report (Settlement Date)
MS1100DDDaily Processor Up Time Report (Calendar Date)
MS1101AAMonthly Processor Up Time Report
MS1101BBMonth To Date Report
Refer to Table 3.37Processor Availability Reports Fields for a description of

the report fields for these reports. The field descriptions are the same for all
four reports.
Table 3.37Processor Availability Reports Fields
Field Description
Header FieldsDisplay at the top of all pages of the report.
PROCESS DATE The date that the report was created.
WORK OF: The date/time period that covers the reported information.
PROCESSOR: The processor name.
PROCESSOR ID: The MDS-assigned processor/member identification number.
PROCESSOR The country where the processor is located.
COUNTRY:
PROCESSOR The numeric region code assigned per the Processor Quick Reference Booklet.
REGION:
BUSINESS The name of the business entity that the Processor Number is associated with. A
ENTITY: single business entity can have several different Processor Names and Numbers
associated with it.
Column HeadingsDisplay across the top of the page
APPROVED The number of approved transactions during that hour that were logged by the MDS.
TRANSACTIONS:
DENIED The number of rejected transactions during that hour that were logged by the MDS.
TRANSACTIONS:
COMM RELATED Transactions that were identified by the MDS as network errors.
TIME-OUTS:
2006 MasterCard
Reports
Field Description
NON-COMM Transactions that were identified by the MDS that had a Response Code of 91, 91(s),
RELATED or 96.
TIME-OUTS:
TOTAL The total count of approved, denied, Comm Related, and Non-Comm Related
TRANSACTIONS Transactions.
STAND-IN The total number of Stand-In transactions.
TRANSACTIONS:
UP TIME The formula for this field is: Total Transactions Non-Comm Related Time
PERCENTAGE: Outs/Total Transactions.
DOWN TIME The formula for this field is: 1.0 Up Time Percentage.
PERCENTAGE
Total FieldDisplays at the bottom of the page.
Total The complete totals for each column.
Note Total line is the same as above except it uses the complete totals for each
column.
2006 MasterCard
Reports
Daily Processor Up Time Report (Settlement Date)MS1100BB

Purpose: The MDS generates this report on a daily basis for all issuing
processors. The report displays processor activity by
settlement cut-off time, broken down by hour and settlement
date.
Description: This report provides summary availability data for each hour of
that settlement period. If a processor settles at 15:00 (CT)
daily, then the details are from 15:00 (CT) of the first day until
14:00 (CT) of the next day. The report displays the date that
the MDS job processed (Process Date) and the date of the
data/work that was processed (Work of). This is displayed in
the MM/DD/YYYY format. Since the data covers a 24 hour
period, the report is broken down to cover the starting and
ending dates for the data.
The top section of the report describes:

Who the processor is
The Processor ID (processor number)
The Processor Country
The Processor Region
The Business Entity that the processor is associated with
The next section identifies the:

Number of Approved Transactions
Denied Transactions
Comm Related Time-outs (network communication errors)
Non-Comm Related Time-outs (RC 91, RC91(s) and RC96
errors)
Total Transaction
Stand-In Transactions
Up Time Percentage
Down Time Percentage.
The last line is a total of all of the transactions for the 24 hour
period displayed and the calculated percentages for the UP
and Down times.
Frequency: Daily
Availability: Available only through eService on MasterCard OnLine.

the MS1100BB report fields.
2006 MasterCard
MS1100BB M A S T E R C A R D D E B I T S W I T C H PAGE: 1
D A I L Y P R O C E S S O R U P T I M E R E P O R T PROCESS DATE 03/29/2006
BY ISSUING PROCESSOR
PROCESSOR : TEST BANK WORK OF 03/27/2006

2006 MasterCard
PROCESSOR COUNTRY: USA PROCESSOR REGION: 01 BUSINESS ENTITY: TEST BANK
APPROVED DENIED COMM RELATED NONCOMM RELATED TOTAL STAND-IN UP TIME DOWN TIME
TIME TRANSACTIONS TRANSACTIONS TIME-OUTS TIME-OUTS TRANSACTIONS TRANSACTIONS PERCENTAGE PERCENTAGE
_____ ______________ ______________ ______________ _______________ ______________ ______________ __________ __________
00:00 0 0 0 0 0 0 0.00 0.00
01:00 0 0 0 0 0 0 0.00 0.00
02:00 0 0 0 0 0 0 0.00 0.00
03:00 0 0 0 0 0 0 0.00 0.00
04:00 0 0 0 0 0 0 0.00 0.00

05:00 0 0 0 0 0 0 0.00 0.00
06:00 0 0 0 0 0 0 0.00 0.00
07:00 0 0 0 0 0 0 0.00 0.00
08:00 0 0 0 0 0 0 0.00 0.00
09:00 0 0 0 0 0 0 0.00 0.00
10:00 0 0 0 0 0 0 0.00 0.00
11:00 0 0 0 0 0 0 0.00 0.00
12:00 0 0 0 0 0 0 0.00 0.00
13:00 0 0 0 0 0 0 0.00 0.00
14:00 0 0 0 0 0 0 0.00 0.00
15:00 18 3 0 0 21 0 100.00 0.00
16:00 15 1 0 0 16 0 100.00 0.00
17:00 16 6 0 0 22 0 100.00 0.00
18:00 11 4 0 0 15 0 100.00 0.00
19:00 13 3 0 0 16 0 100.00 0.00
20:00 7 0 0 0 7 0 100.00 0.00
21:00 14 0 0 0 14 0 100.00 0.00
22:00 9 1 0 0 10 0 100.00 0.00
23:00 4 4 0 0 8 0 100.00 0.00
============== ============== ============== =============== ============== ============== ========== ==========
TOTAL 107 22 0 0 129 0 100.00 0.00
Figure 3.80MS1100BB Daily Processor Up Time Report (1 of 2)By Iss. ProcessorSettle Date
3-175
Reports
3-176
Reports

_____ ______________ ______________ ______________ _______________ ______________ ______________ __________ __________
00:00 3 2 0 0 5 0 100.00 0.00

01:00 1 0 0 0 1 0 100.00 0.00
02:00 4 2 0 0 6 0 100.00 0.00
03:00 9 3 0 0 12 0 100.00 0.00
04:00 8 6 0 0 14 0 100.00 0.00
05:00 21 5 0 0 26 0 100.00 0.00
06:00 14 7 0 0 21 0 100.00 0.00
07:00 32 13 0 0 45 0 100.00 0.00
08:00 25 12 0 0 37 0 100.00 0.00
09:00 45 17 3 0 65 0 100.00 0.00
10:00 40 30 0 0 70 0 100.00 0.00
11:00 37 15 0 0 52 0 100.00 0.00
12:00 42 15 0 0 57 0 100.00 0.00
13:00 26 8 0 0 34 0 100.00 0.00
14:00 30 13 0 0 43 0 100.00 0.00
15:00 0 0 0 0 0 0 0.00 0.00
16:00 0 0 0 0 0 0 0.00 0.00
17:00 0 0 0 0 0 0 0.00 0.00
18:00 0 0 0 0 0 0 0.00 0.00
19:00 0 0 0 0 0 0 0.00 0.00
20:00 0 0 0 0 0 0 0.00 0.00
21:00 0 0 0 0 0 0 0.00 0.00
22:00 0 0 0 0 0 0 0.00 0.00
23:00 0 0 0 0 0 0 0.00 0.00
============== ============== ============== =============== ============== ============== ========== ==========
TOTAL 337 148 3 0 488 0 100.00 0.00
Figure 3.81MS1100-BB Daily Processor Up Time Report (2 of 2)By Iss. Processor, Settle Date
2006 MasterCard
Reports
Daily Processor Up Time Report (Calendar Date)MS1100DD

processors. The report displays a processors activity for a 24-
hour period, broken down by hour and calendar date.
Description: This report provides summary availability data, by hour, for

the 24-hour calendar date. The report displays the date that
the MDS job processed (Process Date) and the date of the
data/work that was processed (Work of). This is displayed in
the MM/DD/YYYY format.


Denied Transactions
errors)
Total Transaction
Up Time Percentage
Down Time Percentage
and Down times.
Frequency: Daily

the MS1100DD report fields.
2006 MasterCard
MS1100DD M A S T E R C A R D D E B I T S W I T C H PAGE: 1
3-178
Reports

_____ ______________ ______________ ______________ _______________ ______________ ______________ __________ __________
00:00 5 0 0 0 5 0 100.00 0.00
01:00 3 0 0 0 3 0 100.00 0.00
02:00 3 2 0 0 5 0 100.00 0.00

03:00 2 1 0 0 3 0 100.00 0.00
04:00 4 2 0 0 6 0 100.00 0.00
05:00 11 5 0 0 16 0 100.00 0.00
06:00 8 1 0 0 9 0 100.00 0.00
07:00 12 2 0 0 14 0 100.00 0.00
08:00 29 6 0 0 35 0 100.00 0.00
09:00 21 6 0 0 27 0 100.00 0.00
10:00 22 2 0 0 24 0 100.00 0.00
11:00 23 1 0 0 24 0 100.00 0.00
12:00 38 2 0 0 40 0 100.00 0.00
13:00 44 10 0 0 54 0 100.00 0.00
14:00 18 1 0 0 19 0 100.00 0.00
15:00 18 3 0 0 21 0 100.00 0.00
16:00 15 1 0 0 16 0 100.00 0.00
17:00 16 6 0 0 22 0 100.00 0.00
18:00 11 4 0 0 15 0 100.00 0.00
19:00 13 3 0 0 16 0 100.00 0.00
20:00 7 0 0 0 7 0 100.00 0.00
21:00 14 0 0 0 14 0 100.00 0.00
22:00 9 1 0 0 10 0 100.00 0.00
23:00 4 4 0 0 8 0 100.00 0.00
============== ============== ============== =============== ============== ============== ========== ==========
TOTAL 350 63 0 0 413 0 100.00 0.00
Figure 3.82MS1100DD Daily Processor Up Time ReportBy Issuing Processor, Calendar Date
2006 MasterCard
Reports
Monthly Processor Up Time Report MS1101AA

Purpose: The MDS generates this report on a monthly basis for all
issuing processors. The report displays monthly totals by each
processor, broken down by hour and calendar date for the
complete month.
Description: This report provides monthly summary availability data, by

hour, for the 24-hour calendar date period. The report
displays the date that the MDS job processed (Process Date)
and the date of the data/work that was processed (Work of).
This is displayed in the MM/YYYY format.


Denied Transactions
errors)
Total Transaction
Up Time Percentage
and Down times.
Frequency: Monthly run on the second day of the month.

the MS1101AA report fields.
2006 MasterCard
MS1101AA M A S T E R C A R D D E B I T S W I T C H PAGE: 1
M O N T H L Y P R O C E S S O R U P T I M E R E P O R T PROCESS DATE 03/01/2006
3-180
Reports
PROCESSOR : TEST BANK WORK OF 02/2006

_____ ______________ ______________ ______________ _______________ ______________ ______________ __________ __________
00:00 108 58 0 0 166 0 100.00 0.00

01:00 106 56 0 0 162 0 100.00 0.00
02:00 153 58 0 0 211 0 100.00 0.00
03:00 240 137 0 0 377 0 100.00 0.00
04:00 306 116 0 3 425 0 99.30 0.70
05:00 465 162 0 0 627 0 100.00 0.00
06:00 519 197 0 0 716 0 100.00 0.00
07:00 644 263 0 0 907 0 100.00 0.00
08:00 852 258 0 0 1,110 0 100.00 0.00
09:00 999 337 0 0 1,336 0 100.00 0.00
10:00 1,026 365 0 0 1,391 0 100.00 0.00
11:00 1,016 368 0 0 1,384 0 100.00 0.00
12:00 1,054 332 0 0 1,386 0 100.00 0.00
13:00 928 371 0 0 1,299 0 100.00 0.00
14:00 799 257 0 0 1,056 0 100.00 0.00
15:00 753 283 0 0 1,036 0 100.00 0.00
16:00 669 248 0 0 917 0 100.00 0.00
Figure 3.83MS1101AA Monthly Processor Up Time Reports (1 of 1)
17:00 674 203 0 0 877 0 100.00 0.00

18:00 575 169 0 0 744 0 100.00 0.00
19:00 489 167 0 0 656 0 100.00 0.00
20:00 364 150 0 0 514 0 100.00 0.00
21:00 300 164 0 0 464 0 100.00 0.00
22:00 192 93 0 0 285 0 100.00 0.00
23:00 158 88 0 0 246 0 100.00 0.00
============== ============== ============== =============== ============== ============== ========== ==========
TOTAL 13,389 4,900 0 3 18,292 0 99.99

0.01
2006 MasterCard
Reports
Month-to-Date ReportMS1101BB
processors. The report displays month-to-date totals, broken
down by hour and calendar date from the first day of the
month to current Work Of date.
Description: This report provides month-to-date summary availability data,

by hour, for the 24-hour calendar date period. The report
displays the date that the MDS job processed (Process Date)
and the date of the data/work that was processed (Work of).
This is displayed in the MM/YYYY format.


Denied Transactions
Non-Comm Releated Time-outs (RC 91, RC91(s) and RC96
errors)
Total Transaction
Up Time Percentage
and Down times.
Frequency: Daily

the MS1101BB report fields.
Note The month-end version of this report is the MS1101AA.
2006 MasterCard
M O N T H T O D A T E PROCESS DATE 03/17/2006
3-182
Reports
PROCESSOR : TEST BANK WORK OF 03/01/2006 TO 03/17/2006
_____ ______________ ______________ ______________ _______________ ______________ ______________ __________ __________
00:00 108 58 0 0 166 0 100.00 0.00
01:00 106 56 0 0 162 0 100.00 0.00

02:00 153 58 0 0 211 0 100.00 0.00
03:00 240 137 0 0 377 0 100.00 0.00
04:00 306 116 0 3 425 0 99.30 0.70
05:00 465 162 0 0 627 0 100.00 0.00
06:00 519 197 0 0 716 0 100.00 0.00
07:00 644 263 0 0 907 0 100.00 0.00
08:00 852 258 0 0 1,110 0 100.00 0.00
09:00 999 337 0 0 1,336 0 100.00 0.00
10:00 1,026 365 0 0 1,391 0 100.00 0.00
11:00 1,016 368 0 0 1,384 0 100.00 0.00
12:00 1,054 332 0 0 1,386 0 100.00 0.00
13:00 928 371 0 0 1,299 0 100.00 0.00
14:00 799 257 0 0 1,056 0 100.00 0.00
15:00 753 283 0 0 1,036 0 100.00 0.00
16:00 669 248 0 0 917 0 100.00 0.00
17:00 674 203 0 0 877 0 100.00 0.00
18:00 575 169 0 0 744 0 100.00 0.00
19:00 489 167 0 0 656 0 100.00 0.00
20:00 364 150 0 0 514 0 100.00 0.00
Figure 3.84MS1101BB Month-To-Date Report (1 of 1)By Issuing Processor
21:00 300 164 0 0 464 0 100.00 0.00

22:00 192 93 0 0 285 0 100.00 0.00
23:00 158 88 0 0 246 0 100.00 0.00
============== ============== ============== =============== ============== ============== ========== ==========
TOTAL 13,389 4,900 0 3 18,292 0 99.99

0.01
2006 MasterCard

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Summary of Changes for a comprehensive list of changes

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Change Summary Description of Change Where to Look

Changed name Changed references to MasterCard International with Entire manual

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Using this Manual

Excerpted Text ....................................................................................................... 2

Language Use ......................................................................................................... 2

Chapter 1 Settlement and Reconciliation

MDS Settlement Process......................................................................................1-2

MDS End of Day Settlement ...............................................................................1-4

Transaction Settlement Amounts ........................................................................1-4

Automated Clearing House (ACH) and Fedwire Settlement Account

GCMS Routing Process........................................................................................1-7

MDS ISO 8583 (1987) 02xx Processor Settlement (GCMS)................................1-7

MDS ISO 8583 (1987) 02xx Processor Settlement (S.A.M) ................................1-9

CIS ISO 8583 (1987) 01xx Processor Settlement..............................................1-11

Settlement Total Definitions..............................................................................1-12

Chapter 2 Batch File Specifications

MDS Batch Files ..................................................................................................2-1

General Procedures for Batch Files ....................................................................2-2

MDS Batch File Transmission .............................................................................2-2

Banknet Network MIP Batch File Transmission ................................................2-3

Dial-Up Data Communication Hardware ...........................................................2-4

Dial-Up Data Communication Software .............................................................2-4

Batch File Retransmission ...................................................................................2-5

Batch Data Format/250-byte Record Size...........................................................2-6

Previous Batch Data File...................................................................................2-41

Sequence of Transmission File ...................................................................2-45

Batch FIT Data Formats/80-byte Record Size ..................................................2-74

Detail Activity Reports.......................................................................................3-55

Statistical Reports............................................................................................. 3-112

Processor Peak Performance ReportSWCHD321-1 .............................. 3-144

ISIS Reports...................................................................................................... 3-164

Stand-In Reports .............................................................................................. 3-166

Processor Availability Reports......................................................................... 3-172

Excerpted Text .......................................................................................................2

Language Use .........................................................................................................2

For operational purposes, MasterCard refers to time frames in this manual as

St. Louis, Purchase, New York

With each revision, we include a Summary of Changes describing how the

Occasionally, we may publish revisions or additions to this document in a

Authorization System Manual

To order MasterCard manuals, please use the Ordering Publications service on

ISO Specifications Oct

The message format specifications used by MasterCard Worldwide are based

Phone: 1-800-999-0363 or 1-636-722-6176

1-636-722-6292 (Spanish language support)

E-mail: Canada, Caribbean, Latin customer_support@mastercard.com

Australia and New member_operations@mastercard.com

China, Hong Kong, and helpdesk.gc@mastercard.com

South East Asia helpdesk.singapore@mastercard.com

Spanish language support lagroup@mastercard.com

Vendor Relations, all regions vendor.program@mastercard.com

Address: MasterCard Worldwide

Telex: 434800 answerback: 434800 ITAC UI

Member Relations Representative

Phone: 1-800-999-0363 or 1-636-722-6176

1-636-722-6292 (Spanish language support)