ISO 8583:2023

INTERNATIONAL ISO
STANDARD 8583
Third edition
2023-07
Financial-transaction-card-originated
messages — Interchange message
specifications
Messages initiés par cartes de transaction financière — Spécifications
d'échange de messages
Reference number
© ISO 2023
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ii
Contents Page
Foreword .iv
1 Scope . 1
2 Normative references . 1
3 Terms and definitions . 1
4 Message structure . 5
4.1 Message components . 5
4.1.1 Sequence . 5
4.1.2 Message type . 5
4.2 Message repeats . 6
4.3 Message bitmaps . 6
4.4 Data element types . 6
4.4.1 General . 6
4.4.2 Primitive data elements . 6
4.4.3 Constructed data element . 7
4.4.4 Composite data elements . 7
5 Data elements . 9
5.1 General . 9
5.2 General requirements for data elements . 9
5.2.1 Variable length data elements . 9
5.2.2 Binary data . 10
5.2.3 Expression of amounts . . 10
5.2.4 Conversion rates . 10
5.2.5 Identification of institutions and routing . 10
5.2.6 Identification of account numbers . 13
5.2.7 Tag length value (TLV) data . 13
6 Messages and transactions .13
6.1 General .13
6.2 Message protocol . 14
6.3 Message errors . 14
6.4 Transaction relationships . 14
7 Maintenance .15
7.1 General . 15
7.2 Allocation of institution identification codes . 15
Annex A (informative) Summary of changes made to the ISO 8583 series .16
Bibliography .18
iii
Foreword
ISO (the International Organization for Standardization) is a worldwide federation of national standards
bodies (ISO member bodies). The work of preparing International Standards is normally carried out
through ISO technical committees. Each member body interested in a subject for which a technical
committee has been established has the right to be represented on that committee. International
organizations, governmental and non-governmental, in liaison with ISO, also take part in the work.
ISO collaborates closely with the International Electrotechnical Commission (IEC) on all matters of
electrotechnical standardization.
The procedures used to develop this document and those intended for its further maintenance are
described in the ISO/IEC Directives, Part 1. In particular, the different approval criteria needed for the
different types of ISO document should be noted. This document was drafted in accordance with the
editorial rules of the ISO/IEC Directives, Part 2 (see www.iso.org/directives).
ISO draws attention to the possibility that the implementation of this document may involve the use
of (a) patent(s). ISO takes no position concerning the evidence, validity or applicability of any claimed
patent rights in respect thereof. As of the date of publication of this document, ISO had not received
notice of (a) patent(s) which may be required to implement this document. However, implementers are
cautioned that this may not represent the latest information, which may be obtained from the patent
database available at www.iso.org/patents. ISO shall not be held responsible for identifying any or all
such patent rights.
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constitute an endorsement.
For an explanation of the voluntary nature of standards, the meaning of ISO specific terms and
expressions related to conformity assessment, as well as information about ISO's adherence to
the World Trade Organization (WTO) principles in the Technical Barriers to Trade (TBT), see
www.iso.org/iso/foreword.html.
This document was prepared by Technical Committee ISO/TC 68, Financial services, Subcommittee SC 9,
Information exchange for financial services.
This third edition cancels and replaces ISO 8583-1:2003, ISO 8583-2:1998 and ISO 8583-3:2003, which
have been technically revised.
The main changes are as follows:
— ISO 8583-1 has been restructured to facilitate maintenance of the messages, data elements and code
values by a new ISO 8583 maintenance agency (MA). Parts of Clauses 5, 6, 7, 8 and 9 and Annexes
A, B, C, D, E and F from that document are now available at https://standards.iso.org/iso/8583 (see
A.2.3).
— Corrections and message, element and data code enhancements approved by the ISO 8583
registration and maintenance management group (RMMG) (see A.2.3) since the publication of
ISO 8583-1 have been included.
Any feedback or questions on this document should be directed to the user’s national standards body. A
complete listing of these bodies can be found at www.iso.org/members.html.
iv
INTERNATIONAL STANDARD ISO 8583:2023(E)
Financial-transaction-card-originated messages —
Interchange message specifications
1 Scope
This document specifies a common interface by which financial-transaction-card-originated messages
can be interchanged between acquirers and card issuers.
It specifies message structure and format, including normalized data types. Message, field, value
definitions and supporting information are provided by the ISO 8583 maintenance agency (MA). Contact
and web page information for the ISO 8583 MA can be found at: https:// www .iso .org/ maintenance
_agencies .html.
The method by which messages are transported or settlement takes place is not within the scope of this
document.
NOTE With the proliferation of technology available to financial institutions to offer services to customers,
a range of tokens now exist for identifying account relationships (e.g. financial transaction cards). In order to
maintain clarity, this document will continue to use card terminology that applies to tokens and cards, unless
the element is specific to tokens or cards, in which case it will be identified as such. However, the actual token
numeric issued by a financial institution can be different from the associated card numeric.
2 Normative references
The following documents are referred to in the text in such a way that some or all of their content
constitutes requirements of this document. For dated references, only the edition cited applies. For
undated references, the latest edition of the referenced document (including any amendments) applies.
ISO/IEC 7812-1, Identification cards — Identification of issuers — Part 1: Numbering system
ISO/IEC 7816-6, Identification cards — Integrated circuit cards — Part 6: Interindustry data elements for
interchange
3 Terms and definitions
For the purposes of this document, the following terms and definitions apply.
ISO and IEC maintain terminology databases for use in standardization at the following addresses:
— ISO Online browsing platform: available at https:// www .iso .org/ obp
— IEC Electropedia: available at https:// www .electropedia .org/
3.1
account identification
identification of a customer account or relationship, e.g. for the “from” or “to” account
3.2
acquirer
financial institution (or its agent) which acquires from the card acceptor (3.6) the data relating to the
transaction (3.30) and initiates that data into an interchange system
Note 1 to entry: The acquirer remains unchanged throughout a transaction.
3.3
advice
message (3.16) in which the sender notifies the receiver of an action that has been taken, requiring no
approval but requiring a response (3.27)
3.4
authentication
action of proving that someone or something is genuine
3.5
authorizing agent
institution that acts on behalf of and with the authority of the card issuer (3.8)
3.6
card acceptor
party accepting the card and presenting transaction (3.30) data to an acquirer (3.2)
3.7
cardholder
customer associated with the primary account number (3.23) requesting the transaction (3.30) from the
card acceptor (3.6)
3.8
card issuer
financial institution (or its agent) which issues the financial transaction card to the cardholder (3.7)
Note 1 to entry: The card issuer remains unchanged throughout a transaction (3.30).
3.9
dataset
group of related sub-elements within a composite data element
Note 1 to entry: See 4.4.3.
3.10
dataset bitmap
DBM
bitmap used to identify the presence (denoted by 1) or absence (denoted by 0) of sub-elements within a
dataset (3.9)
Note 1 to entry: See 4.4.4.4.
3.11
forwarding institution
institution within a
...