Mode: Test Vs Live


Mode: Test Vs Live

 
The iVeri Gateway provides a mechanism where a merchant can perform test transactions that are routed to an iVeri    Gateway issuer simulator. This enables a merchant to complete testing within a test environment. When the merchant is ready s/he can perform live transactions, which are routed to the genuine card issuer. merchant specifies the mode of a transaction by setting Mode as “Test” or “Live” and sends their corresponding Test or Live ApplicationID.

Sending the following card numbers to the Test environment has the following results:

PAN

Result

4242424242424242

returns "Authorised"

2121212121212121

randomly returns "Hot Card", "Please Call" or "Denied"

5454545454545454

randomly returns "Unable to process" or times out

All other card numbers
(eg "1111222233334444")

returns "Invalid card number"

For information on testing PIN based accounts, see “PIN based transactions”.
Merchants are requested not to abuse the test environment more than their realistic requirements.
A merchant abusing the Test environment may have their use of it suspended

Budget Period 

The Budget Period facility is only available within certain localities (eg South Africa), and therefore only currently available with distributor Nedbank. Since a transaction sequence may entail the Budget Period being sent to the acquirer multiple times, the merchants should ensure that this value is consistent. If an authorisation was obtained outside the iVeri Gateway, and then the AuthorisationCode is sent within “Debit with PAN” or “Debit with Track2”, then the BudgetPeriod should be set to the same value as when authorised. If the BudgetPeriod is not sent to the iVeri Gateway, then iVeri assumes to be “straight” (0 months). However, if the external authorisation was “over budget”, then it would then be up to the acquirer/issuer to decide between the conflicting budget values.

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

 


Track2
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:


The Track2 read from by the card reader typically contains the following fields (at most 40 bytes):

SS

PAN

FS

DATE

SVC CD

Descretionary Data

ES

LRC


The e 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.
See section 17.6.4 for algorithm to determine if a card is PIN based or not. 
Note that a transaction may not decline or rejected 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