Card service codes

The table below provides an overview of the supported service codes (authorisation types):

Code	Card service	Description
00	POS purchases contact (chip)	A purchase transaction where the card information is read from the chip using a contact-based method.
0A	E-commerce purchases	A subtype of purchase transactions where the Point-of-Service (POS) code does not indicate that the cardholder or the card is present.
0C	POS purchases card contactless	A subtype of purchase transactions where the Point-of-Service (POS) code indicates PAN auto-entry via contactless.
0M	Magnetic stripe	A purchase or cash transaction where the card information is read from the magnetic stripe.
01	Cash withdrawal	A transaction involving the withdrawal of cash from an ATM.
09	Purchases with Cash Back	A transaction in which only part of the authorised amount is used to pay for goods or services, while the remaining amount is returned to the customer in cash.
10	Account funding	VISA only. A purchase transaction that can occur in a card-present, card-not-present, or e-commerce environment. An Account Funding Transaction (AFT) is a type of "pull" payment, where the payment service provider pulls funds from the cardholder’s account. The receiver initiates the transfer of funds from the sender’s account to their own.
11	Quasi-Cash	VISA only. Quasi-Cash transactions refer to the purchase of items that may be convertible to cash, such as foreign currency, casino chips, cryptocurrencies, money orders, lottery tickets, and travellers cheques, among others.
20	Purchase refund	A credit transaction that reverses a previous purchase.
21	Deposit (ATM)	The process of depositing cash using a specialised automatic cash-in device. This typically requires a specific agreement with the processor to recognise the operation type.
28	Moneysend payment transactions	A payment type in which funds are transferred directly to the recipient’s card account.
30	Balance inquiry (ATM)	A non-financial transaction that allows a cardholder to check their current account balance at an ATM.
39	Statement (ATM)	A non-financial transaction that allows a cardholder to view a brief summary of their recent transactions at an ATM.