The Track2 is used for card present transactions and is sent to the iVeri Gateway after it is read by the swipe device from the magnetic stripe on the card. It is inclusive of the beginning and end markers being ; and ? respectively.
The Track2 sent to the iVeri Gateway must be in the following format:
Field |
Description |
Length (bytes) |
Format |
SS |
Start Sentinel |
1 |
; |
PAN |
Primary Account Number |
19 max |
Digits |
FS |
Field Separator |
1 |
= |
DATE |
Expiration Date (YYMM) |
4 |
Digits |
SVC CD |
Service Code |
3 |
Digits |
Discretionary Data |
Optional Issuer Data |
variable |
Digits |
ES |
End Sentinel |
1 |
? |
|
Total cannot exceed 39 bytes |
39 |
|
The Track2 read from by the card reader typically contains the following fields (at most 40 bytes):
SS |
PAN |
FS |
DATE |
SVC CD |
Discretionary Data |
ES |
LRC |
The 1-byte Longitudinal Redundancy Check (LRC) should not be sent to the iVeriGateway.
The End Sentinel (ES) may need to be converted to (0x3F)
Track2 Service Code Values
The following tables can be used to determine the meaning of the 3-digit service code.
Note that a transaction may not decline or reject solely because of the value of the service code.
Value Position#1 |
Description |
MasterCard |
Visa |
1 |
International Card |
Yes |
Yes |
2 |
International Card – Integrated Circuit Card |
Yes |
Yes |
5 |
National Use Only |
Yes |
Yes |
6 |
National Use Only – Integrated Circuit Card |
Yes |
Yes |
7 |
Private Label or Proprietary Card |
Yes |
No |
Value Position#2 |
Description |
MasterCard |
Visa |
0 |
Normal Authorisation |
Yes |
Yes |
2 |
Positive Online Authorisation Required |
Yes |
Yes |
Value Position#3 |
Description |
MasterCard |
Visa |
0 |
PIN Required |
Yes |
Yes |
1 |
Normal Cardholder Verification, No Restrictions |
Yes |
Yes |
2 |
Normal Cardholder Verification – Goods and services only at point of interaction (no cash back) |
Yes |
No |
3 |
ATM Only, PIN Required |
Yes |
Yes |
5 |
PIN Required – Goods and services only at point of interaction (no cash back) |
Yes |
No |
6 |
Prompt for PIN if PIN Pad Present |
Yes |
Yes |
7 |
Prompt for PIN if PIN Pad Present – Goods and services only at point of service (no cash back) |
Yes |
No |