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ISO 8583 Decoder

ISO 8583 is the message format most national financial switches and card networks still speak — a fixed MTI, a bitmap declaring which fields are present, then fields packed back to back with no delimiters. This decodes a common subset of fields used in a card-present financial transaction, the same shape I built a jPOS bridge for against Zambia's National Financial Switch.

Supported fields: 2, 3, 4, 7, 11, 12, 13, 32, 37, 39, 41, 42, 49 — everything else stops the decode with a warning, same as a real packager would if it didn't recognize a field.

MTI

0200

Financial transaction request

Primary bitmap

7238000108808000

F2 Primary account number (PAN)

(16) 4109123412341191

F3 Processing code

003000

F4 Amount, transaction

000000015000

F7 Transmission date & time (MMDDhhmmss)

0801143012

F11 System trace audit number (STAN)

000042

F12 Time, local transaction (hhmmss)

143012

F13 Date, local transaction (MMDD)

0801

F32 Acquiring institution ID

(8) 01001001

F37 Retrieval reference number (RRN)

080114301200

F41 Card acceptor terminal ID

TERM0001

F49 Currency code, transaction

894