Track2 – iVeri Payment Technologies

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):

PAN

DATE

SVC CD

Discretionary Data

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