Technical Specifications on

Bankcard Interoperability

Part VI Annex

Version 18.2
 Part VI: Annex

Copyright
UnionPay International Co. Ltd. (“UnionPay International”) retains intellectual
property rights concerning this specifications document and all other documents
referenced, attached, and produced by UnionPay International, including but not
limited to copyright, patents, trademarks, and trade secrets. Any use of this
specifications document by any legal and/or natural person is limited by the rules
specified in the agreement signed by UnionPay International Member Online Service
(http://member.unionpay.com/) and UnionPay International. UnionPay International
shall not be liable for any errors or omissions in this specifications document or any
losses resulting therefrom.
Without UnionPay International’s written consent, you may not use this specifications
document for uses and purposes aside from matters involving cooperation with
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not download, forward, or, publically or in any other form, provide this specifications
document to third parties. If any legal and/or natural person used illegal means to
obtain this specifications document, please immediately delete it and notify UnionPay
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UnionPay International makes no representations or warranties, including but not
limited to, whether or not this specifications document or its related documents
infringe upon the intellectual property rights of third parties. The user agrees that
UnionPay International shall not be liable relating to whether or not the use of this
specifications document infringes on third party rights.
© 2015-2018 UnionPay International Co. Ltd. All rights reserved.

Trademarks
UnionPay International Co. Ltd. (“UnionPay International”) and its various forms are
registered trademarks of UnionPay International Co. Ltd. and its Affiliate(s). All
other company or product names mentioned herein are trademarks of their respective
companies.
© 2015-2018 UnionPay International Co. Ltd. All rights reserved.

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TABLE OF CONTENTS

USING THIS DOCUMENT ......................................................................................................... V

SUMMARY OF REVISIONS ..................................................................................................... VI
APPENDIX A CODE DEFINITIONS .......................................................................................... 7

A.1 INSTITUTION IDENTIFICATION NUMBER ......................................................................................... 7

A.1.1 Definition of IIN ..................................................................................................................... 7

A.1.2 Members Inside Mainland China ........................................................................................... 7

A.1.3 Members Outside of Mainland China .................................................................................... 7

A.2 RESPONSE CODE ............................................................................................................................ 8

A.2.1 Response Code sequenced by response code number ............................................................ 8

A.2.2 Detailed Response Codes ..................................................................................................... 27

A.3 MESSAGE REASON CODE ............................................................................................................. 31

A.4 REJECT CODE ............................................................................................................................... 39

A.4.1 Online Transaction Reject Code .......................................................................................... 40

A.4.2 Settlement File Rejection Code ............................................................................................ 47

A.5 COUNTRY/REGION AND CURRENCY CODE ................................................................................... 51

A.6 STANDARD ASCII PRINTABLE CHARACTERS................................................................................ 63

APPENDIX B TABLE OF TRANSACTION TYPE IDENTIFICATION .............................. 67

B.1 SINGLE-MESSAGE FINANCIAL & PRE-AUTHORIZATION TRANSACTION ........................................ 67

B.2 DUAL-MESSAGE TRANSACTION.................................................................................................... 73

B.3 MANAGEMENT AND NETWORK MANAGEMENT TRANSACTION .................................................... 78

B.4 DISPUTE TRANSACTION................................................................................................................ 79

B.5 IC CARD TRANSACTIONS BASED ON UICS DEBIT/CREDIT STANDARDS ...................................... 82

B.5.1 IC Card Transactions based on UICS Debit/Credit Standards............................................ 82

B.5.2 Stand-in Authorization of IC Card based on UICS Debit/Credit Standard ......................... 82

B.5.3 On-behalf Validation of IC Card based on UICS Debit/Credit Standards .......................... 84

APPENDIX C REPORT SAMPLE............................................................................................. 86

C.1 INSTITUTION SETTLEMENT SUMMARY REPORT C602DZ SAMPLE ............................................... 86

C.2 INSTITUTION DISPUTE RESOLUTION DETAIL C605DZ SAMPLE ................................................. 103

C.3 INSTITUTION (UPI POS) MERCHANT NET SETTLEMENT REPORT C606DZ SAMPLE .................. 105

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C.4 INSTITUTION (UPI POS) MERCHANT RECONCILIATION LIST C607DZ SAMPLE ........................ 105

C.5 INSTITUTION (ACQUIRER SIDE) OUTGOING STF PROCESSING FEEDBACK C608DZ SAMPLE .... 107

C.6 INSTITUTION SETTLEMENT RECONCILIATION REPORT C612DZ SAMPLE ................................... 109

C.7 ISSUER DOMESTIC AND CROSS-BORDER TRANSACTION SETTLEMENT REPORT C614DZ SAMPLE110

C.8 ACQUIRER DOMESTIC AND CROSS-BORDER TRANSACTION SETTLEMENT REPORT C615DZ

SAMPLE............................................................................................................................................. 123

C.9 INSTITUTION (ACQUIRER) OUTGOING UNSETTLED TRANSACTIONS REMINDING (OVER 20 DAYS

TILL 29 DAYS) REPORT C616DZ SAMPLE .......................................................................................... 161

C.10 TAX REFUND REPORT C802DZ SAMPLE ................................................................................... 163

APPENDIX D MAGNETIC STRIPE DATA CONTENT AND SPECIFICATIONS FOR

BANKCARD ............................................................................................................................... 165

D.1 TRACK INFORMATION ................................................................................................................ 165

D.1.1 Track 1 ............................................................................................................................... 165

D.1.2 Track 2 ............................................................................................................................... 166

D.2 FIELD DEFINITION ...................................................................................................................... 167

D.2.1 Start Sentinel (STX) ........................................................................................................... 167

D.2.2 Format Code(FC) .............................................................................................................. 167

D.2.3 Primary Account Number (PAN) ....................................................................................... 167

D.2.4 Field Separator(FS) ........................................................................................................... 167

D.2.5 Name(NM).......................................................................................................................... 168

D.2.6 Expiration Date(ED).......................................................................................................... 168

D.2.7 Service Code (SC) .............................................................................................................. 168

D.2.8 Discretionary Data ............................................................................................................ 169

D.2.9 End Sentinel(ETX) ............................................................................................................. 169

D.2.10 Longitudinal Redundancy Check(LRC) ........................................................................... 170

D.3 DATA CONTENT OF TRACK 3 ...................................................................................................... 170

D.3.1 Data Format in Track 3 ..................................................................................................... 170

D.3.2 Field Definition .................................................................................................................. 172

D.4 ALGORITHMS OF CVN, CVN2 AND ICVN ................................................................................. 177

D.5 ALGORITHM OF PVN .................................................................................................................. 179

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Using this Document

Purpose

This Annex is one of the six parts comprising the Technical Specifications on
Bankcard Interoperability. The document describes the specifications on the code
definitions, transaction types, and relevancy on transaction message, support of IC
card transactions, clearing and reconciliation, and conversion of specification
version.

Audience

The audiences of this specification are the staff from UnionPay International
(hereinafter referred to as UPI) and UPI Network Members who have adopt message
format version 2.1 (the message format version is indicated in the online message
header)..

Time Expressed

UPI has operation centers in several locations including Shanghai, Beijing and Hong
Kong. For operational purpose, the time frame in this manual, unless particularly
indicated, refers to Beijing time.

Coordinated Universal Time (UTC) is the basic time standard throughout the world.
Beijing time is 8 hours ahead of UTC. Also, there is no Daylight Saving Time in
China.

Unless otherwise specified, the Day in this Volume refers to the calendar day and
the Business Day refers to the working day subject to local regulations of the
country where the processing Member is located.

Replacement

Version 18.2 replaces your existing document.

Revisions

UPI will periodically issue revisions to this document as enhancements and changes
are implemented, or as corrections are required. Occasionally, revisions or additions
to this document will be published in an Operations Bulletin.

Please refer to the Summary of Revisions for changes reflected in this version.

Support

Please address your questions to the service teams as follows:

Fax: (86-21) 2026 5971
E-mail: ts@unionpayintl.com

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Summary of Revisions
The changes listed below are associated with the Version 18.2.

Description of Change Location

Added a new Ouguiya (numeric code:929, alpha code: A.5 Country/Region and
MRU, decimal digit: 2) for Mauritania. Currency Code
Revised the value of Field 3 in PCT and PCC from B.1 Single-message Financial
‘29x000’ to ‘2900x0’ to make it consistent with the & Pre-authorization
Specifications. Transaction
Added the transaction type identification of AFT-related B.1 Single-message Financial
transactions, including account funding transaction, account & Pre-authorization
funding reversal, and account funding refund. Transaction
Optimized the table format of transaction type B.1 Single-message Financial
identification for single-message financial and & Pre-authorization
pre-authorization transactions. Transaction
Optimized the name of dual-message authorization-related
B.2 Dual-message Transaction
transactions.
Revised the dispute transaction name of credit adjustment
B.4 Dispute Transaction
to be consistent with the actual situation.
C.1 Institution Settlement
Summary Report C602DZ
Sample
C.7 Issuer Domestic and
Introduced AFT-related statistics items in C602DZ, Cross-Border Transaction
C614DZ, and C615DZ, and updated the report samples of Settlement Report C614DZ
C602DZ, C614DZ, and C615DZ correspondingly. Sample
C.8 Acquirer Domestic and
Cross-Border Transaction
Settlement Report C615DZ
Sample
C.2 Institution Dispute
Resolution Detail C605DZ
Added the samples of C606DZ and C607DZ reports for Sample
Acquirers and Merchants initiating direct-connected
transactions. C.3 Institution (UPI POS)
Merchant Net Settlement
Report C606DZ Sample
C.5 Institution (Acquirer Side)
Updated the sample of C608DZ report with signs added in
Outgoing STF Processing
the Total Amount Field.
Feedback C608DZ Sample
C.9 Institution (Acquirer)
Outgoing Unsettled
Updated the sample of C616DZ report with Merchant ID
transactions Reminding (Over
and Terminal ID added.
20 days till 29 days) Report
C616DZ sample

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Appendix A Code Definitions

The messages between UPI system and each Member are defined according to the ISO 8583: 1987.

The content in this Appendix will be updated according to the change of the members and merchants’ information.

A.1 Institution Identification Number

The Institution Identification Number (IIN) is used to uniquely identify Acquirers, Issuers and CUPS, or messages forwarders. It usually
refers to the following data elements:

Field 32: Acquiring Institution Identification Number Field 33: Forwarding Institution Identification Number Field 100: Receiving
Institution Identification Number.

A.1.1 Definition of IIN

IIN is a variable-length data element defined in ISO 8583 with the current length indicator of 08.

A.1.2 Members Inside Mainland China

1-4 characters: institution code

5-8 characters: region code Headquarters of nationwide Members use 0000. Branches of nationwide Members and local Members use the
region codes of local clearing centers.

XXXX XXXX

Institution code Region code (4-digit clearing center code)

A.1.3 Members Outside of Mainland China

1-4 characters: institution code, the institution code is assigned as a unique means of identifying an institution.

5-8 characters: region code (0 + 3-digit country/region code)

XXXX 0XXX

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Institution code Region code (0 + 3-digit country/region code)

The region code for the overseas branches of the Members inside Mainland China adopts 0 + 3-digit country/region code.

A.2 Response Code

A.2.1 Response Code sequenced by response code number

Under the following conditions, Member must use the applicable response codes.

Applicable Party
Response Terminal Display
Description Action Applicable Condition
Code (Recommended)
AC SW IS

Approved or completed
00 Approve Successful transaction √ √ √
successfully

The cardholder should If the transaction is rejected because of the Issuer, the response
01 Refer to card Issuers Decline √ √ √
contact the Issuer. code can be used only when it is required to contact the Issuer.

Exceptional MCC;
This card is not allowed for this transaction at such kind of
03 Invalid merchant Decline Invalid merchant √ √ √
merchant (MCC);
This merchant is in the blacklist.

This card is picked

04 Pick-up Pick-up The Issuer believes that the card should be captured. √
up.

05 ID certification fails Decline The cardholder's 1. The transaction information of the e-commerce transaction is √ √

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Applicable Party
Response Terminal Display
Description Action Applicable Condition
Code (Recommended)
AC SW IS

certification fails. sent and received beyond the time limit.

2. The cardholder identity verification failure (for transactions
like entrusting relationship or e-commerce transaction).
3. Certificate information (in terms of type, number and so on)
does not comply with the requirement.
4. The time difference between security information and
transaction information evaluated by the switching center exceeds
24h.

5. The birth date of the cardholder verification fails.

6. For cross-border remittance, receiver’ information provided by

the sending institution does not match with what is registered at
the receiving bank.

7. CVN2 verification failure

8.Match authentication transaction fails

Approve
Display the approved
Approved for partial (advice
10 partial amount and It is used in the transaction with approved partial amount. √
amount shall be
prompt the operator.
prompted)

11 VIP Approve It is a VIP client. The Issuer prompts to the Acquirer that it is a VIP client. √

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Applicable Party
Response Terminal Display
Description Action Applicable Condition
Code (Recommended)
AC SW IS

1. The original transaction has not been accepted; however, a

transaction such as reversal transaction and cancellation
transaction, related to the original transaction is received.
2. The transaction that should occur every other day does not
occur every other day.
Invalid related 3. The cancellation or reversal is conducted for original
12 Decline Invalid transaction √ √ √
transaction transaction every other day.
4. The transaction has not been executed, but the information of
related transaction is received (for example, the pre-authorization
transaction has not been accepted, but the pre-authorization
completion or pre-authorization cancellation transaction is
received).

0 or other unallowable values are filled in the amount field, for

the transactions which should be with valid amount;
Transferred payment amount limit or cash payment amount limit
is exceeded;

13 Invalid amount Decline Invalid amount The transaction exceeds the consumption proportion; √ √ √
The tip amount is beyond the limit

The institution is unable/cannot conduct the transaction of this

currency;

In cross-border remittance, receiver or sender does not have

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Applicable Party
Response Terminal Display
Description Action Applicable Condition
Code (Recommended)
AC SW IS

sufficient yearly foreign exchange quota to send or receive.

1. The Issuer has no such primary account number.

2. Though the original transaction is located, the primary account
number of the related transaction does not match with that of the
Invalid card number (no original transaction.
14 Decline Invalid card number √ √ √
such account) 3. The check-digit of the card number is incorrect.
4. The account has become invalid or cancelled.
5. The primary account number of response transaction does not
match with that of request transaction.

This card has no It is unable to find the corresponding Issuer according to the
15 No such Issuers Decline √
corresponding Issuer. primary account number requested by the transaction.

Approved to update Update the third

16 Approve Reserved
track 3 magnetic track.

1. This card has not been activated or opened;

This card has not been 2. The initial password of this card has not been changed;

21 Card not initialized Decline initialized or it is a 3. It is restricted to process transactions by the initial password; √
dormant card. 4. The card frozen because of not being used for a long period of
time or the card in the "dormant" status.

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Applicable Party
Response Terminal Display
Description Action Applicable Condition
Code (Recommended)
AC SW IS

Exceptional related transaction; the following situations are

included:

1. After the reversal to one transaction has been completed, its

cancellation is received.

2. After the current transaction has been cancelled, the related

transaction (such as reversal or cancellation) is received.

3. After pre-authorization cancellation transaction has been

Operation error or completed, pre-authorization completion transaction is received.
Suspected malfunction; exceeding the
22 Decline 4. After pre-authorization reversal transaction has been √ √ √
related transaction error allowable days for
transaction completed, pre-authorization completion transaction is received.

5. After the pre-authorization completion transaction has been

completed, a request for pre-authorization completion of the same
pre-authorization transaction is received.
6. The transaction date of pre-authorization transactions
(including pre-authorization completion and pre-authorization
cancellation) exceeds the allowable days for pre-authorization
transaction.
7. Exceed the normal payment time.

25 Unable to locate Decline There is no original The following situations are included: √ √ √

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Applicable Party
Response Terminal Display
Description Action Applicable Condition
Code (Recommended)
AC SW IS

original transaction transaction and please 1. The original transaction cannot be located with the error in
contact the Issuer. matching with original request transaction

2. Matching with original pre-authorization and authorization

transactions fails.

3. The reversal transaction request is unable to match with the

original transaction.

4. When it is used during the fee deduction, cancellation and

entrustment change, there is no entrusting relationship.

the following situations are included:

1. The message field that should appear as stipulated does not

appear in the message.

2. The transaction channel value is not in the definition of

specification.
30 Format error Decline Please retry it. √ √ √
3. Error in field analysis

4. Error in sub-field analysis

5. Failed field examination

6. Illegal character appears in the field

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Applicable Party
Response Terminal Display
Description Action Applicable Condition
Code (Recommended)
AC SW IS

7. The bitmap in the received message does not comply with the
definition of specification.

8. Error in the magnetic track information

9. There is no transaction amount in the transaction where the

transaction amount should appear.

10. The usage VR in Field F61.6 message that should appear as

stipulated does not appear in the message.

This card is suspected for fraud (including ARQC check error);

the card can be captured by ATM or picked up by the operator for
Fraudulent card;
34 Fraud Pick-up the following situations: √
pick-up card
1. The times of CVN errors is beyond the limit to card capture;
2. Counterfeit Card.

The times of PIN

errors is beyond the PIN Try errors exceed the limit, and the account has been locked.
38 PIN try limit exceeded Decline √
limit, and please The cardholder should go to the Issuer for unlocking.
contact the Issuer.

Function requested not Transaction that is not That functions are not supported by the institution includes the
40 Decline √ √
supported supported by the following situations:

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Applicable Party
Response Terminal Display
Description Action Applicable Condition
Code (Recommended)
AC SW IS

Issuer 1. The Issuer has not started such transaction.

2. The transaction type can be determined according to the

message of the Member; however, such transaction has not been
opened to the public now.

3. The Member can determine the transaction type according to

the received message; however, such transaction is not included
in the authority list or special authority list of the receiver.

4. The transaction type can be determined according to the

message of the Member; however, the message version of the
receiver does not support it.

5. For one IC card transaction, the receiver is in Early state and

the receiver does not require the check of ARQC.

The card has been

reported for the loss,
41 Lost card Pick-up and captured (ATM). Lost card; capture it √
Lost card, please
pick up it (POS).

43 Stolen card Pick-up This card has been The Issuer confirms that this is a stolen card. Capture it. √
captured. Please

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Applicable Party
Response Terminal Display
Description Action Applicable Condition
Code (Recommended)
AC SW IS

contact the Issuer

(ATM).
Stolen card, please
pick up it (POS).

1、 Issuer does not support fallback transactions of hybrid-card

Fallback transaction is
45 Decline Please use IC card 2、 Issuer does not support fallback transactions of hybrid-card √
not allowed
accepted in this region

The available balance in the account and the credit limit are
Insufficient available
51 Insufficient balance Decline insufficient, and the amount is beyond the limit for cash √
balance
withdrawal.

54 Expired card Decline The card is expired Expired card. The expiration date is incorrect. √

Incorrect personal
55 Decline Wrong PIN The PIN verification is not passed. √
identification number

Transaction not allowed This card is not The situations in which the Issuer does not allow the transaction

57 to be processed by Decline allowed for because of the credit and risk, etc. of the cardholder, including but √ √ √
cardholder transaction. not limited to:
1. The type of card cannot be used for such transaction.

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Applicable Party
Response Terminal Display
Description Action Applicable Condition
Code (Recommended)
AC SW IS

2. It is out of the service scope.

3. That type of card cannot be accepted.
4. Deposit cannot be conducted with corporate card.
5. This account does not include this kind of currency.

6. This card is suspected for cash-out by illegal means.

7. The card number or certificate number is in the blacklist.

The Issuer does not

1. The Issuer restricts the related transactions to be carried out at
Transaction not allowed allow this card to be
such kind of terminals (it may focus on some card BIN).
58 to be processed by Decline used for this √ √ √
2. The terminal number in the related transaction does not match
terminal transaction at this
with that in the original transaction.
terminal.

Error in the card

59 Suspected fraud Decline CVN verification fails. √ √
verification

The transaction amount is beyond the limit, including but not

The transaction limited to:

Transaction amount 1. Exceed single purchase limit/exceed ATM single cash
61 Decline amount exceeds the √ √ √
limit exceeded withdrawal limit
limit.
2. ATM daily consecutive cash withdrawal/POS daily purchase
amount is beyond the limit

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Applicable Party
Response Terminal Display
Description Action Applicable Condition
Code (Recommended)
AC SW IS

3. Exceed single withdrawal/purchase limit defined by the

cardholder
4. Exceed the transfer limit

Restricted card (for the reasons such as the restriction of

62 Restricted card Decline Restricted card √ √
acceptance service area); no need to capture it.

1.The transaction amount in the request message does not match

The transaction with that in the response message (except for partial fee deduction
amount does not situations);
Original transaction
64 Decline match with the √ √ √
amount error 2. The transaction amount in the related transaction message does
original transaction
amount. not match with that in the original transaction message (except for
partial fee deduction situations)

1. Exceed the limit for times of withdrawal/purchase on the

Exceeds withdrawal Exceed the limit for current day.

65 Decline √
velocity limit times of withdrawal 2. Exceed transferred payment times accumulation/exceed cash
payment times accumulation

Transaction time-out, The receiver has not received the response from the Issuer within
68 Issuer response time-out Decline √
please retry it. the time limit.

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Applicable Party
Response Terminal Display
Description Action Applicable Condition
Code (Recommended)
AC SW IS

The times of PIN

Allowable number of
75 Decline errors exceeds the The times of PIN try errors exceeds the limit. √
PIN tries exceeded
limit.

The daily cutoff of the

90 Cutoff is in process Decline system is conducted. The daily switch is being conducted. √ √
Please retry it later.

It is used to indicate that the transaction is rejected due to the

error of Issuer (or transfer-in side/transfer-out side), such as the
following conditions:

1. The operation of the Issuer (or transfer-in side/transfer-out

side) is exceptional.
Exceptional Issuer
Issuer not capable to 2. The operation of the Issuer (or transfer-in side/transfer-out
91 Decline status, please retry it √ √
process side) is exceptional; however, no stand-in authorization
later.
agreement is signed with CUPS.

3. The Issuer (or transfer-in side/transfer-out side) signs out but

does not sign in.

4. The operation status of the Issuer (or transfer-in

side/transfer-out side) is invalid.

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Applicable Party
Response Terminal Display
Description Action Applicable Condition
Code (Recommended)
AC SW IS

5. The Issuer (or transfer-in side/transfer-out side) is closed by

CUPS.

6. The connectivity of the Issuer (or transfer-in side/transfer-out

side) is exceptional.
7. The internal system of Issuer (or transfer-in side/transfer-out
side) is time out.

1. There is no available connectivity line.

Financial institution or 2. Error in IP address format and port number of CUP

The connectivity of
intermediate network Information Switch Center or network member
92 Decline Issuer is exceptional. √ √ √
facility cannot be found
Please retry it later. 3. For cross-border remittance, SAFE (State Administration of
for routing
Foreign Exchange) individual FX system is closed, or failed in
inquiry therein.

1. It is used to detect that the original transaction is a duplicated

transaction;
Reject, transaction 2.When the entrustment is established, it is found that the
94 Duplicated transaction Decline duplicated. Please entrusting relationship has already existed. √ √ √
retry it later.
3. The serial number of transaction is repeated.

4. The VCODE of transaction is repeated.

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Applicable Party
Response Terminal Display
Description Action Applicable Condition
Code (Recommended)
AC SW IS

It is used to indicate that the transaction is rejected due to the

error of CUPS, which should be generated by UPI. The following
situations may be included:
Reject the switching
Switch system 1. CUPS is unable to conduct the normal processing, and the
96 Decline center exceptional. √
malfunction internal processing failures (such as abnormal database operation,
Please retry it later.
abnormal shared memory operation and abnormal function
operation) have occurred.

2. CUPS is in maintenance and rejects all requests.

ATM/POS terminal The terminal number

97 number cannot be Decline has not been The terminal number has not been registered. √ √
located registered.

1. The Issuer is time out.

Issuer response not
98 Decline The Issuer is time out. 2. The transfer-out side is time out. √
received by CUPS
3. The receiving response is time out.

Error in PIN format.

99 PIN Block Error Decline Error in PIN format. √ √ √
Please re-sign in.

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Applicable Party
Response Terminal Display
Description Action Applicable Condition
Code (Recommended)
AC SW IS

Error in MAC
A0 MAC failed Decline verification. Please Failure in MAC verification √ √ √
re-sign in.

A1 Reserved.

The transaction is CUPS has forwarded the original transfer-in / deposit transaction
Successful transaction successful. Please requests; however, as the response from the Issuer has not been
A2 Approve √
with fault confirm it with the received, CUPS directly responds to the acceptor for the
fund transfer-in bank. successful transaction with fault.

The account number

Account not found in
A3 Decline of the fund transfer-in There is no such account in the fund transfer-in bank. √
Transfer-in side
bank is incorrect.

The transaction is When the requests for original transfer-in / deposit / primary
Successful transaction successful. Please credit transactions have not been received, the acceptance of the
A4 Approve √
with fault confirm it with the confirmed related transaction is a successful transaction with
fund transfer-in bank. fault.

Successful transaction The transaction is When the original transfer-in / deposit / primary credit
A5 Approve √
with fault successful. Please transactions are rejected, the acceptance of the confirmed related

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Applicable Party
Response Terminal Display
Description Action Applicable Condition
Code (Recommended)
AC SW IS

confirm it with the transaction is a successful transaction with fault.

fund transfer-in bank.

CUPS has forwarded the original transfer-in / deposit / primary

The transaction is
credit transaction requests, but the response from the Issuer has
Successful transaction successful. Please
A6 Approve not been received, the acceptance of the confirmed related √
with fault confirm it with the
transaction transmitted by the acceptor is a successful transaction
fund transfer-in bank.
with fault.

1. Failure of calling MAC verification program

2. Failure of calling PIN verification program

3. Error in PIN conversion

4. Failure of MAC generation

Security processing Failure of security
A7 5. Failure of key generation √ √ √
failure processing
6. Failure of key activation

7. Failure of key reset

8. Failure of ARPC generation

9. Failure when the processing of MAC is exceptional

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Applicable Party
Response Terminal Display
Description Action Applicable Condition
Code (Recommended)
AC SW IS

No arrears (transaction No debt for this

B1 Decline It is used during the inquiry of expenses. √
receipt not printed) service

It is used to indicate that the transaction is rejected due to the

error of Acquirer, such as the following situations:

Illegal Status of The state of Acquirer 1. The Acquirer signs out.

C1 Decline √
Acquirer is illegal.
2. The operation status of the Acquirer is invalid.

3. The Acquirer has not signed in.

D1 Incorrect IIN Error in institution code √ √ √

D2 Date Error Error in date √ √ √

D3 Invalid file type Invalid file type √ √ √

D4 File processed Processed files √ √ √

D5 No such file There is no such file. √ √ √

D6 Not supported by The receiver does not support it. √ √ √

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Applicable Party
Response Terminal Display
Description Action Applicable Condition
Code (Recommended)
AC SW IS

Receiver

D7 File locked The file has been locked. √ √ √

D8 Unsuccessful Unsuccessful √ √ √

D9 Incorrect file length The length of file is inconsistent. √ √ √

File decompression
DA Error in file decompression √ √ √
error

DB File name error Error in file name √ √ √

DC File cannot be received It is unable to receive the file. √ √ √

F1 File record format error The record format does not meet the specification requirements. √

F2 File record repeated Repeated with existing record √

F3 File record not existing There is no record required to be operated. √

F4 File record error Error in other operations for the record √

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Applicable Party
Response Terminal Display
Description Action Applicable Condition
Code (Recommended)
AC SW IS

The unregistered
Items not on Bankbook The unregistered account has exceeded the limit, and the
N1 Decline account exceeds the √
beyond limit, declined transaction is unsuccessful.
limit.

Contact number (e.g.

Contact number (e.g.
mobile phone number)
mobile phone There is no contact number (e.g. mobile phone number)
P1 of cardholder cannot be Decline √
number) cannot be associated with the current transaction card in issuer’s system.
found in issuer’s
found.
system.

The offline transaction is successful (only used for IC cards based

Y1 Approve on UICS debit/credit standard. Please refer to Part III File √
Interface for specific usage.)

It is unable to be online. The offline transaction is successful

Y3 Approve (only used for IC cards based on UICS debit/credit standard. √
Please refer to Part III File Interface for specific usage.)

The offline transaction fails (only used for IC cards based on

Z1 Decline UICS debit/credit standard. Please refer to Part III File Interface √
for specific usage.)

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Applicable Party
Response Terminal Display
Description Action Applicable Condition
Code (Recommended)
AC SW IS

It is unable to be online. The offline transaction fails (only used

Z3 Decline for IC cards based on UICS debit/credit standard. Please refer to √
Part III File Interface for specific usage.)

A.2.2 Detailed Response Codes

In addition to the response code provided by Field 39, UPI Members can also provide detailed transaction scenario information in the response message,
which corresponds to the response code provided by Field 39, through Usage AS+AR of Field 57.

According to business requirements, the refined response code table is defined as below

Response Code Description Action Terminal Display Applicable Condition Applicable Party
(recommended)
（F39） (F57 AS+AR)

Value Description AC SW IS

00 Default value, detailed response code is not provided

ID Certification The Cardholder’s 03 One or more of the following verifications fails: ID number,
05 Decline √ √
fails certification fails mobile phone number, name

13 Name doesn’t match during remittance verification

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14 The type of the identity certificate is not supported

00 Default value, detailed response code is not provided

05 The institution is unable/cannot conduct the transaction of this

currency
13 Invalid amount Decline Invalid amount √ √ √

16 In the countries with currency controls, the remittance

settlement amount limit stipulated by local regulation is
exceeded

00 Default value, detailed response code is not provided

Suspected Operation error or

07 In cross-border remittance, after the remittance verification
malfunction; exceeding the
22 Decline transaction, the corresponding online remittance transaction (no √ √ √
related allowable days for
matter the transaction is succeed or failed) has already been
transaction error transaction
send. However, duplicated remittance transaction related to the
original remittance verification transaction has been received.

The situations in which the Issuer does not allow the transaction because
Transaction not of the credit and risk, etc. of the cardholder, including but not limited to
This card is not
allowed to be
57 Decline allowed for √ √ √
processed by 00 Default value, detailed response code is not provided
transaction
cardholder
03 This account does not include this kind of currency

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12 The sending party of the remittance is blacklisted, e.g. the

country / region of the sending party is sanctioned, or remitter
is suspected of anti-money laundering, anti-terrorist financing,
etc.

13 The receiving party of the remittance is blacklisted, e.g. the

country / region of the receiving party is sanctioned, or remittee
is suspected of money laundering, terrorist financing, etc.

Z0 Risk-related reasons. UPI internal use only. √

00 Default value, detailed response code is not provided

Transaction The transaction
61 amount limit Decline amount exceeds the 07 Exceed single transaction amount limit √ √ √
exceeded limit.
08 Exceed One day amount limit

00 Default value, detailed response code is not provided √ √

62 Restricted card Decline Restricted card
Z0 Risk-related reasons. UPI internal use only. √

Financial 00 Default value, detailed response code is not provided

The connectivity of
92 institution or Decline Issuer is exceptional. √ √ √
intermediate 03 SAFE (State Administration of Foreign Exchange) system is
Please retry it later
network facility not in service time (suggest try again in the next service time)

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cannot be found
04 SAFE (State Administration of Foreign Exchange) system is
for routing
not available temporarily (suggest try again in 10 minutes)

05 SAFE (State Administration of Foreign Exchange) system time

out

Note:

1) Currently, this usage is only applied in cross-border remittance (include remittance transaction and remittance verification transaction). The usage
AS+AR of Field 57 presented in other transactions can be omitted by Acquirers. For a detailed response code value definition, please refer to the
“applicable condition” column in the Technical Specifications on Bankcard Interoperability, Part VI Annex, Section A.2.2.

2) The usage AS+AR of Field 57 is optional during cross-border remittance processing (include remittance transaction and remittance verification
transaction) if issuers present the response code (F39) that is not included in the above table. If the usage AS+AR of Field 57 is used, it can be omitted
by acquirers.

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A.3 Message Reason Code

Message reason code is used in Field 60.1 in the message or to submit disputed transactions
manually, indicating the reason for the transaction. Please refer to applicable business rules if
the definition is changed.

Table A.29 Message Reason Code

Code Description Application

Reason for advice message instead of request message

1004 Terminal processed Not applicable for this stage

1005 ICC processed Not applicable for this stage

Reason for request message instead of advice message

1500 ICC application unable to process Not applicable for this stage

1502 ICC random selection Not applicable for this stage

1503 Terminal random selection Not applicable for this stage

1504 Terminal not able to process ICC Not applicable for this stage

1505 On line forced by ICC Not applicable for this stage

1506 On line forced by card acceptor Not applicable for this stage

1507 On line forced by CAD Not applicable for this stage

1508 On line forced by terminal Not applicable for this stage

1509 On line forced by card Issuer Not applicable for this stage

1510 Over floor limit Not applicable for this stage

1511 Card acceptor suspicious Not applicable for this stage

Reason for Representment

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Code Description Application

2000 Refund or Credit Adjustment Processed Representment

2001 Incorrect Trace No. in Chargeback Representment

2002 Non-Receipt of Supporting Documentation Representment

2003 Correct Transaction Date Provided Representment

2005 Correct Merchant Location Provided Representment

2008 Transaction Authorized by Issuer Representment

2702 Invalid First Chargeback Representment

2704 Legible Transaction Receipt Provided Representment

2706 Acquirer Can Prove That The Transaction Is Correct Representment

2707 Illegible Supporting Documentation for Chargeback Representment

Reason for reversal

4003 Format error, no action taken Reversal Message

4004 Completed partially Reversal Message

4005 Original amount incorrect Reversal Message

4006 Response received too late Reversal Message

4007 Card acceptor device unable to complete transaction Reversal Message

4008 Deposit out of balance Reversal Message

4010 Payment out of balance Reversal Message

4011 Deposit out of balance/applied contents Reversal Message

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Code Description Application

4012 Payment out of balance/applied contents Reversal Message

4013 Unable to deliver message to terminal Reversal Message

4014 Suspected malfunction/card retained Reversal Message

4015 Suspected malfunction/card returned Reversal Message

4016 Suspected malfunction/track 3 not updated Reversal Message

4017 Suspected malfunction/no cash dispensed Reversal Message

4018 Timed-out at taking money/no cash dispensed Reversal Message

4019 Timed-out at taking card/card retained and no cash Reversal Message

dispensed

4020 Invalid response, no action taken Reversal Message

4021 Timeout waiting for response Reversal Message

(4351—4499) ISO reserved for private use

4351 Terminal-generated reversal (full amount) Reversal Message

4352 Terminal-generated reversal (partial amount) Reversal Message

4353 Acquirer received late response from CUPS Reversal Message

4354 Acquirer detected time-out Reversal Message

4355 Acquirer detected incorrect MAC from response Reversal Message

message

4356 Acquirer not able to send operating command to Reversal Message

terminal

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Code Description Application

4360 CUPS received late response from card Issuer Reversal Message

4361 CUPS waiting for Issuer’s response until time-out Reversal Message

4362 CUPS detected incorrect MAC from Issuer’s response Reversal Message
message

4363 CUPS unable to forward Issuer’s response message to Reversal Message

Acquirer

4364 CUPS unable to forward request to transfer-in party Reversal Message

4365 Dispenser out of notes Reversal Message

4366 Refused by transfer-in Reversal Message

Reason for Chargeback (first and second)

Non-Disbursement or Partial Disbursement of Cash at Chargeback Message

4501
ATM

4502 Purchase Not Completed Chargeback Message

4503 Dispute on Debit Adjustment Chargeback Message

4507 Cardholder Dispute-Transaction Amount Differs Chargeback Message

4508 Exceeds Limited or Authorized Amount Chargeback Message

4512 Duplicate Processing Chargeback Message

4514 Fraudulent Multiple Transactions Chargeback Message

4515 Transaction Not Recognized Chargeback Message

4522 Declined Authorization Chargeback Message

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Code Description Application

4526 Illegible Fulfillment Chargeback Message

Fulfillment Not Received or Fulfilled with Response Chargeback Message

4527
Code 04

4528 Cancelled Pre-authorization Chargeback Message

4531 Questionable Transaction Receipt Chargeback Message

4532 Refund Not Processed Chargeback Message

4536 Late presentment Chargeback Message

4544 Cancelled Transaction Chargeback Message

Transaction was settled but goods or services was not Chargeback Message
4557
received

4558 Verification for Transaction Certificate (TC) Fails Chargeback Message

Transaction Certificate (TC) and Relevant Calculation Chargeback Message

4559
Data cannot be Provided

4562 Counterfeit Card Chargeback Message

4570 Invalid Representment Chargeback Message

4571 New Supporting Documentation Provided Chargeback Message

4572 Chargeback Reason Adjusted Chargeback Message

4752 Fees Refund for Unsuccessful Balance Inquiry Chargeback Message

4802 High Risk Merchant Chargeback Message

4803 Prohibited Merchant Chargeback Message

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Code Description Application

4806 Paid by Other Means Chargeback Message

The Cardholder denies the Chargeback Message

4810
Transaction-Non-face-to-face Transaction

Reason for Inquiry

6300 ATM Location Inquiry by Cardholder Inquiry

6301 Merchant Name or Address Inquiry by Cardholder Inquiry

6302 Transaction Result Inquiry by Cardholder Inquiry

6309 Inquiry for Prohibited Merchant Inquiry

6303 Transaction Receipt Request by Cardholder Directly Inquiry

6304 Transaction Receipt Request by Cardholder after Inquiry

Responded Inquiry

6305 Transaction Receipt Request after Un-responded Inquiry

Inquiry

6340 Second Inquiry Inquiry

6343 Transaction Receipt Request by Justice Inquiry

6345 Transaction Receipt Request for Fraudulent Inquiry

Transactions

Reason for Fee Collection/Fund Disbursement: reserved for use

7518 This reason code is reserved for future use Fee collection

7519 Recovery settlement or standardize settlement Fee collection/Fee disbursement

7520 Penalty for transmitting violation Fee collection/Fee disbursement

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Code Description Application

7521 Compensation for MCC-related profit Fee collection/Fee disbursement

7524 Value added settlement service Fee collection/Fee disbursement

7525 Emergency Cash Service Charge - successful service Fee collection/Fee disbursement

7526 Emergency Cash Service Charge – unsuccessful Fee collection/Fee disbursement

(cancelled) service

7527 Abnormal events adjustment settlement Fee collection/Fee disbursement

7611 Second appeal fee Fee collection/Fee disbursement

7612 Disputed amount for arbitration Fee collection/Fee disbursement

7613 Late settlement fee Fee collection/Fee disbursement

7740 Violation fee Fee collection

7750 BIN license fee Fee collection

7785 Service fee Fee collection/Fee disbursement

9800 Arbitration Filing Fee Fee collection/Fee disbursement

9801 Arbitration Review Fee Fee collection/Fee disbursement

9802 Arbitration Appeal Fee Fee collection/Fee disbursement

9803 Recovered card award fee Fee collection/Fee disbursement

9805 Penalty for operating violation Fee collection/Fee disbursement

9806 Technical fine Fee collection/Fee disbursement

9807 Risk Compensation Fund Fee collection/Fee disbursement

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Code Description Application

9999 Unconditional Fund Disbursement Fee disbursement

Reason for Credit Adjustment

9600 Transaction Cancelled by Cardholder Credit Adjustment Message

9601 Surplus of Transaction Amount Identified by Acquirer Credit Adjustment Message

or receiver

9602 Non-Disbursement of Cash at ATM Credit Adjustment Message

9603 Partial Disbursement of Cash at ATM Credit Adjustment Message

Reason for Debit Adjustment

9650 Transaction Amount Differs-Purchase Debit Adjustment Message

9651 Transaction Amount Differs-ATM Debit Adjustment Message

9652 Incorrect Credit Adjustment Debit Adjustment Message

9653 Time Frame for Pre-authorization Completion Exceeded Debit Adjustment Message

9654 Abnormal Reversal Transaction Debit Adjustment Message

9655 Abnormal Cancellation Transaction Debit Adjustment Message

Transaction Amount Differs-Purchase Due to System Debit Adjustment Message

9656
Malfunction

Incorrect Credit Adjustment, Manual Refund or Credit Debit Adjustment Message

9657
Voucher

Reason for Good Faith and Special Adjustment

Good Faith and Special

9700 Incorrect Credit Adjustment of Debit Card
Adjustment Advice

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Code Description Application

Good Faith and Special

9701 Questionable First Chargeback of Debit Card
Adjustment Advice

Good Faith and Special

9702 Deficit of Transaction Amount at Acquirer
Adjustment Advice

Good Faith and Special

9703 Time Frame Exceeded
Adjustment Advice

Good Faith and Special

9704 General Dispute Resolution Cycle Ended
Adjustment Advice

Good Faith and Special

9705 Transaction Record Not Found in UPI System
Adjustment Advice

Good Faith and Special

9706 Other Mutually Agreed Payment
Adjustment Advice

Reason for Manual Refund

9707 Manual Refund Manual Refund Advice

Reason for Good Faith Collection

9720 Transaction Amount Differs-Purchase Good Faith Collection Message

9721 Transaction Amount Differs-ATM Good Faith Collection Message

9722 Incorrect Refund Good Faith Collection Message

9723 Time Frame for Pre-authorization Completion Exceeded Good Faith Collection Message

9724 Abnormal Reversal Transaction Good Faith Collection Message

9725 Abnormal Cancellation Transaction Good Faith Collection Message

A.4 Reject Code

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A.4.1 Online Transaction Reject Code

A.4.1.1 Description

Reject code consists of five digits with the first representing the location where the error
happens: 0 stands for header element error; 1 for message body element error; and 2 for
transaction reject due to UPI system’s reason. If the first digit is 0 or 1, the following three
digits denote the element number of the error that has happened with the last digit indicating
the error type. If the first digit is 2, the following four digits denote the reason for the error.

A.4.1.2 Table of Reject Code

A.4.1.2.1 Table of Error Type Code

When the first digit of a reject code is 0 (which means error in message header), or 1 (which
means error in message), the last digit of the rejection code denotes the error types for the
element.

Table A.30 Table of Error Type Code

Error Type Error Description

1 Error in the total length of data element

2 Invalid bitmap, data element XXX shall not exist (e.g. 0052 represents existence of data
element 5 that not defined in the system)

3 Invalid characters in length field

4 Length value exceeds a specified value

5 Invalid characters/invalid contents

6 Lack of necessary data element

Note: Error type 2 and 6 may occur to any field, which will not be listed in the tables hereafter.

A.4.1.2.2 Table of Reject Code for Message Header

Table A.31 Table of Reject Code for Message Header

Reject Code
Error Description
Data Element Error Type

001 5 Invalid characters in header length

002 5 Invalid characters in header identifier and version

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Reject Code
Error Description
Data Element Error Type

003 5 Non-numeric characters in message total length

004 5 Invalid characters in destination ID

005 5 Invalid characters in source ID

006 5 Invalid characters in reserved fields

007 5 Non-numeric characters in batch number

008 5 Invalid characters in UPI reserved fields

A.4.1.2.3 Table of Reject Code for Message

Table A.32 Table of Reject Code for Message

Reject Code Error Description

Data Element Error Type

000 5 Non-numeric characters in message type identifier/illegal message type

identifier

002 3 Illegal characters in PAN length field

002 4 PAN length value exceeds 19

002 5 Illegal characters in PAN

003 5 Illegal processing code or illegal character

004 5 Illegal characters in transaction amount

005 5 Illegal characters in settlement amount

006 5 Illegal characters in cardholder billing amount

007 5 Illegal numbers or characters in Transmission Date and Time

009 5 Illegal characters in settlement exchange rate

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Reject Code Error Description

Data Element Error Type

010 5 Non-numeric characters in cardholder billing exchange rate

011 5 Non-numeric characters in system trace number

012 5 Illegal numbers or characters in local time of Acquirer

013 5 Illegal numbers or characters in local date of Acquirer

014 5 Illegal numbers or characters in card expiration period

015 5 Illegal numbers or characters in settlement date

016 5 Illegal numbers or characters in currency exchange date

018 5 Illegal characters in Merchant Category Code

019 5 Illegal characters in agency country code

022 5 Illegal characters in POS Entry Mode

023 5 Illegal characters in card sequence number

025 5 Illegal characters in POS Condition Code

026 5 Illegal characters in POS PIN Capture Code

028 5 Non-numeric characters in interchange fee amount

029 5 Non-numeric characters in settlement fee amount

031 5 Non-numeric characters in settlement processing fee amount

032 3 Illegal characters in length field

032 4 Length value exceeds 11

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Reject Code Error Description

Data Element Error Type

032 5 Illegal characters in agency identifier code

033 3 Illegal characters in length field

033 4 Length value exceeds 11

033 5 Illegal characters in sender’s IIN

034 5 Illegal characters in extended PAN

035 3 Illegal characters in length field

035 4 Length value exceeds 37

035 5 Illegal track 2 contents or illegal characters

036 3 Illegal characters in length field

036 4 Length value exceeds 104

036 5 Illegal track 3 contents or illegal characters

037 5 Illegal characters in reference number

038 5 Illegal characters in authorization code

039 5 Illegal characters in response code

040 5 Illegal characters in service restriction code

041 5 Illegal characters

042 5 Illegal characters

043 5 Illegal characters

UPI Confidential 43
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Reject Code Error Description

Data Element Error Type

044 3 Illegal characters in length field

044 4 Length value exceeds 25

045 3 Illegal characters in length field

045 4 Length value exceeds 79

045 5 Illegal characters

048 3 Illegal characters in length field

048 4 Length value exceeds 512

048 5 Illegal characters

049 5 Illegal characters in transaction currency code

050 5 Illegal characters in settlement currency code

051 5 Non-numeric characters in currency code of cardholder billing amount

053 5 Illegal characters in security control information

054 3 Illegal characters in length field

054 4 Length value not equal to 40

054 5 Illegal characters in additional amount

055 3 Illegal characters in length field

055 4 Length exceeds 100

055 5 Illegal characters

UPI Confidential 44
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Reject Code Error Description

Data Element Error Type

057 3 Illegal characters in length field

057 4 Length value exceeds 100

057 5 Illegal characters

059 3 Illegal characters in length field

059 4 Length value exceeds 600

059 5 Illegal characters

060 3 Illegal characters in length field

060 4 Length value exceeds 100

060 5 Illegal characters/illegal contents

061 3 Illegal characters in length field

061 4 Length value exceeds 60

070 5 Illegal codes in network management codes

090 5 Illegal characters in original data element

100 3 Illegal characters in length field

100 4 Length value exceeds 11

100 5 Illegal characters in receiver’s IIN

102 3 Illegal characters in length element of transfer-out account

102 4 Length value exceeds 28

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Reject Code Error Description

Data Element Error Type

102 5 Non-numeric characters in transfer-out account

121 3 Illegal characters in length field

121 4 Length value exceeds 100

121 5 Illegal characters

122 3 Illegal characters in length field

122 4 Length value exceeds 100

122 5 Illegal characters

123 3 Illegal characters in length field

123 4 Length value exceeds 100

123 5 Illegal characters

A.4.1.2.4 Table of Reject Code for CUPS Error

Table A.33 Table of Reject Code for CUPS Error

Reject Code Error Description

0000 CUPS busy, request not processed

0001 Error found in CUPS, transaction rejected

0002 CUPS in status of disaster recovery switch

A.4.1.2.5 Table of Special Reject Code

Table A.34 Table of Special Reject Code

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Reject Code Error Description

CUPS cannot unpack the message received or cannot identify the transaction type
09990
even though the message is unpacked.

09991 Unable to identify whether it is IC card, magnetic stripe card or fall back card.

A.4.2 Settlement File Rejection Code

A.4.2.1 Description

The rejection code is a two-digit code which is used to represent the reason of declining a
transaction in reject file.

Note: Reject codes of settlement files are categorized into those for dual message settlement
files (refer to Table A.35), those for IC card offline purchase files (refer to Table A.36) and
those for stand-in parameter synchronizing files (refer to Table A.37). The same reject code
may stand for different reasons due to different settlement files.

A.4.2.2 Table of Reject Code

Table A.35 Reject Code for Dual Message Settlement Files

Reject code in file

IFCYYMMDD51R Reason
th th
(the 7 and 8 bytes)

01 Incorrect file name format.

02 Incorrect date in file name.

03 Incorrect file header record length.

04 Errors in transaction code of the file header. (Shall be constant 000.)

05 Errors in institution identification code of the file header.

06 Errors in batch date of the file header.

07 Incorrect file trailer record length.

08 Errors in transaction code of the file trailer. (Shall be constant 001.)

UPI Confidential 47
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09 Record count in the file trailer does not match the actual record count.

13 Invalid transaction code. (Shall be 100, 101 or 102)

14 Invalid block bitmap.

15 Failed in length check of blocks.

16 Errors in record format.

18 Unidentified currency code.

19 Unidentified institution identification number.

20 Unidentified transaction initiating channel.

21 Unidentified country/region code.

22 Invalid acquirer authorization type. (Valid values: 100,101 or Spaces)

Cannot identify issuer by BIN or invalid issuer. Cannot locate clearing

23
institution.

25 Non-existing original authorization transaction.

26 Original transaction settlement failed.

27 Original transaction has been reversed or cancelled.

Presentment or dispute processing has been performed for the original

28
transaction.

29 Currency code is not identical with that of original transaction.

30 Acquirer institution is not identical with that of original transaction.

31 Failed in original transaction date and settlement date check.

32 Failed in ratio check of pre-authorization completion amount versus the

UPI Confidential 48
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original pre-authorization amount.

33 Incorrect authorization code.

34 Failed in transmission date and time and system trace audit number check.

35 Fixed amount original authorization with an unmatched settlement amount.

36 Duplicate transaction.

40 Acquirer transaction currency code check failed.

41 Unauthorized transaction code for this institution.

42 Luhn verification of PAN failed.

43 Unauthorized BIN.

50 Exceeded transaction amount limit.

51 Exceeded regional limit.

52 Exceeded MCC limit.

53 Failed in the institution’s black-list check (Group Control).

99 Other error.

Table A.36 Reject Code Table for IC Card Offline Purchase Files

Reject code in file Reason

IFFYYMMDD51R
(the 7th and 8th bytes)

01 Incorrect file trailer record.

02 Incorrect MAC verification of the file trailer

UPI Confidential 49
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Reject code in file Reason

IFFYYMMDD51R
(the 7th and 8th bytes)

12 Invalid original transaction.

13 Invalid amount

14 Invalid PAN

15 Invalid issuer

16 Unable to determine the settlement issuer according to card BIN

25 Could not match the original transaction

40 Unauthorized BIN

61 Transaction amount limit exceeded

62 Restricted card

94 Duplicate transaction

F1 Block 2 was not submitted for offline transaction

F4 File record error

99 Other error

Table A.37 Reject Code Table for Stand-in Parameter Synchronizing Files

Reject code in file TC002 (the 7th and 8th bytes) in Reason
stand-in parameter synchronizing rejection files

F1 Record format error.

F4 Duplicate record.

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Reject code in file TC002 (the 7th and 8th bytes) in Reason
stand-in parameter synchronizing rejection files

Reject code in file TC003 (the 7th and 8th bytes) in Reason
stand-in parameter synchronizing rejection files

01 Incorrect file trailer record.

02 MAC verification failed.

03 Exceeded record numbers.

99 Other error

A.5 Country/Region and Currency Code

All Members and Members need to refer to the following table for Country/Region and
Currency Code for processing UnionPay card transaction.

Table A.38 Country/Region and Currency Code

Country/Region Decimal
Numeric Alpha Currency Name Numeric Alpha
Name Digit

Afghanistan 004 AFG Afghani 971 AFN 2

Albania 008 ALB Lek 008 ALL 2

Algeria 012 DZA Algerian Dinar 012 DZD 2

American Samoa 016 ASM U.S. Dollar 840 USD 2

Andorra 020 AND Euro 978 EUR 2

Angola 024 AGO Angola Kwanza 973 AOA 2

Anguilla 660 AIA East Caribbean Dollar 951 XCD 2

Antarctica 010 ATA No universal currency

Antigua and Barbuda 028 ATG East Caribbean Dollar 951 XCD 2

Argentina 032 ARG Argentine Peso 032 ARS 2

Armenia 051 ARM Armenian Dram 051 AMD 2

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Country/Region Decimal
Numeric Alpha Currency Name Numeric Alpha
Name Digit

Aruba 533 ABW Aruban Guilder 533 AWG 2

Australia 036 AUS Australian Dollar 036 AUD 2

Austria 040 AUT Euro 978 EUR 2

Azerbaijan 031 AZE Azerbaijan Manat 944 AZN 2

Bahamas 044 BHS Bahamian Dollar 044 BSD 2

Bahrain 048 BHR Bahraini Dinar 048 BHD 3

Bangladesh 050 BGD Taka 050 BDT 2

Barbados 052 BRB Barbados Dollar 052 BBD 2

Belarusian Ruble 933 BYN 2

Belarus 112 BLR
Belarusian Ruble (old) 974 BYR 0

Belgium 056 BEL Euro 978 EUR 2

Belize 084 BLZ Belize Dollar 084 BZD 2

Benin 204 BEN CFA Franc BCEAO 952 XOF 0

Bermuda 060 BMU Bermudian Dollar 060 BMD 2

Indian Rupee 356 INR 2

Bhutan 064 BTN
Ngultrum 064 BTN 2

Boliviano 068 BOB 2

Bolivia 068 BOL
Mvdol 984 BOV 2

Bosnia and
070 BIH Convertible Mark 977 BAM 2
Herzegovina

Botswana 072 BWA Pula 072 BWP 2

Bouvet Island 074 BVT Norwegian Krone 578 NOK 2

Brazil 076 BRA Brazilian Real 986 BRL 2

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Country/Region Decimal
Numeric Alpha Currency Name Numeric Alpha
Name Digit

British Indian Ocean

086 IOT U.S. Dollar 840 USD 2
Territory

Brunei Darussalam 096 BRN Brunei Dollar 096 BND 2

Bulgaria 100 BGR Bulgarian Lev 975 BGN 2

Burkina Faso 854 BFA CFA Franc BCEAO 952 XOF 0

Burundi 108 BDI Burundi Franc 108 BIF 0

Cambodia 116 KHM Riel 116 KHR 2

Cameroon 120 CMR CFA Franc BEAC 950 XAF 0

Canada 124 CAN Canadian Dollar 124 CAD 2

Cape Verde 132 CPV Cape Verde Escudo 132 CVE 2

Cayman Islands 136 CYM Cayman Islands Dollar 136 KYD 2

Central African
140 CAF CFA Franc BEAC 950 XAF 0
Republic

Chad 148 TCD CFA Franc BEAC 950 XAF 0

Chilean Peso 152 CLP 0

Chile 152 CHL
Unidad de Fomento 990 CLF 4

China 156 CHN Yuan Renminbi 156 CNY 2

Christmas Island 162 CXR Australian Dollar 036 AUD 2

Cocos (Keeling)
166 CCK Australian Dollar 036 AUD 2
Islands

Colombian Peso 170 COP 2

Colombia 170 COL
Unidad de Valor Real 970 COU 2

Comoros 174 COM Comorian Franc 174 KMF 0

Congo 178 COG CFA Franc BEAC 950 XAF 0

Congo (the 180 COD Congolese Franc 976 CDF 2

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 Part VI: Annex

Country/Region Decimal
Numeric Alpha Currency Name Numeric Alpha
Name Digit

Democratic Republic
of the)

Cook Islands 184 COK New Zealand Dollar 554 NZD 2

Costa Rica 188 CRI Costa Rican Colon 188 CRC 2

Côte D’Ivoire 384 CIV CFA Franc BCEAO 952 XOF 0

Croatia 191 HRV Kuna 191 HRK 2

Cuban Peso 192 CUP 2

Cuba 192 CUB
Peso Convertible 931 CUC 2

Curaçao 531 CUW Netherlands Antillean 532 ANG 2

Guilder

Cyprus 196 CYP Euro 978 EUR 2

Czechia 203 CZE Koruna 203 CZK 2

Denmark 208 DNK Danish Krone 208 DKK 2

Djibouti 262 DJI Djibouti Franc 262 DJF 0

Dominica 212 DMA East Caribbean Dollar 951 XCD 2

Dominican Republic 214 DOM Dominican Peso 214 DOP 2

East Timor 626 TMP Rupiah 360 IDR 21

Ecuador 218 ECU U.S.Dollar 840 USD 2

Egypt 818 EGY Egyptian Pound 818 EGP 2

El Salvador Colon 222 SVC 2

El Salvador 222 SLV
U.S.Dollar 840 USD 2

Equatorial Guinea 226 GNQ CFA Franc BEAC 950 XAF 0

1
Effective October 2014, Rupiah will have 2 decimal digits. The specific arrangement will be announced by
UPI through operation bulletin.

UPI Confidential 54
 Part VI: Annex

Country/Region Decimal
Numeric Alpha Currency Name Numeric Alpha
Name Digit

Eritrea 232 ERI Nafka 232 ERN 2

Estonia 233 EST Euro 978 EUR 2

Ethiopia 230 ETH Ethiopian Birr 230 ETB 2

Faroe Islands 234 FRO Danish Krone 208 DKK 2

Falkland Islands
238 FLK Falkland Islands Pound 238 FKP 2
(Malvinas)

Fiji 242 FJI Fiji Dollar 242 FJD 2

Finland 246 FIN Euro 978 EUR 2

France 250 FRA Euro 978 EUR 2

France, Metropolitan 249 FXX Euro 978 EUR 2

French Guiana 254 GUF Euro 978 EUR 2

French Polynesia 258 PYF CFP Franc 953 XPF 0

French Southern
260 ATF Euro 978 EUR 2
Territories

Gabon 266 GAB CFA Franc BEAC 950 XAF 0

Gambia 270 GMB Dalasi 270 GMD 2

Georgia 268 GEO Lari 981 GEL 2

Germany 276 DEU Euro 978 EUR 2

Ghana 288 GHA Cedi 936 GHS 2

Gibraltar 292 GIB Gibraltar Pound 292 GIP 2

Greece 300 GRC Euro 978 EUR 2

Greenland 304 GRL Danish Krone 208 DKK 2

Grenada 308 GRD East Caribbean Dollar 951 XCD 2

Guadeloupe 312 GLP Euro 978 EUR 2

UPI Confidential 55
 Part VI: Annex

Country/Region Decimal
Numeric Alpha Currency Name Numeric Alpha
Name Digit

Guam 316 GUM U.S. Dollar 840 USD 2

Guatemala 320 GTM Quetzal 320 GTQ 2

Guinea 324 GIN Guinean Franc 324 GNF 0

Guinea-Bissau 624 GNB CFA Franc BCEAO 952 XOF 0

Guyana 328 GUY Guyana Dollar 328 GYD 2

Gourde 332 HTG 2

Haiti 332 HTI
US Dollar 840 USD 2

Heard and McDonald

334 HMD Australian Dollar 036 AUD 2
Islands

Honduras 340 HND Lempira 340 HNL 2

Hong Kong 344 HKG Hong Kong Dollar 344 HKD 2

Hungary 348 HUN Forint 348 HUF 2

Iceland 352 ISL Icelandic Krona 352 ISK 2

India 356 IND Indian Rupee 356 INR 2

Indonesia 360 IDN Rupiah 360 IDR 22

Iran, Islamic
364 IRN Iranian Rial 364 IRR 2
Republic of

Iraq 368 IRQ Iraqi Dinar 368 IQD 3

Ireland 372 IRL Euro 978 EUR 2

Isle of Man 833 IMN Pound Sterling 826 GBP 2

Israel 376 ISR Israeli Shekel 376 ILS 2

Italy 380 ITA Euro 978 EUR 2

2
Effective October 2014, Rupiah will have 2 decimal digits. The specific arrangement will be announced by
UPI through operation bulletin.

UPI Confidential 56
 Part VI: Annex

Country/Region Decimal
Numeric Alpha Currency Name Numeric Alpha
Name Digit

Jamaica 388 JAM Jamaican Dollar 388 JMD 2

Japan 392 JPN Yen 392 JPY 0

Jordan 400 JOR Jordanian Dinar 400 JOD 3

Kazakhstan 398 KAZ Tenge 398 KZT 2

Kenya 404 KEN Kenyan Shilling 404 KES 2

Kiribati 296 KIR Australian Dollar 036 AUD 2

Korea, Democratic
408 PRK North Korean Won 408 KPW 2
People’s Republic of

Korea, Republic of 410 KOR Won 410 KRW 0

Kuwait 414 KWT Kuwaiti Dinar 414 KWD 3

Kyrgyzstan 417 KGZ SOM 417 KGS 2

Lao People’s
418 LAO Lao Kip 418 LAK 2
Democratic Republic

Latvia 428 LVA Euro 978 EUR 2

Lebanon 422 LBN Lebanese Pound 422 LBP 2

Loti 426 LSL 2

Lesotho 426 LSO
Rand 710 ZAR 2

Liberia 430 LBR Liberian Dollar 430 LRD 2

Libya 434 LBY Libyan Dinar 434 LYD 3

Liechtenstein 438 LIE Swiss Franc 756 CHF 2

Lithuania 440 LTU Euro 978 EUR 2

Luxembourg 442 LUX Euro 978 EUR 2

Macau 446 MAC Pataca 446 MOP 2

Macedonia 807 MKD Denar 807 MKD 2

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Country/Region Decimal
Numeric Alpha Currency Name Numeric Alpha
Name Digit

Madagascar 450 MDG Malagasy Ariary 969 MGA 2

Malawi 454 MWI Malawi Kwacha 454 MWK 2

Malaysia 458 MYS Malaysian Ringgit 458 MYR 2

Maldives 462 MDV Rufiyaa 462 MVR 2

Mali 466 MLI CFA Franc BCEAO 952 XOF 0

Malta 470 MLT Euro 978 EUR 2

Marshall Islands 584 MHL U.S. Dollar 840 USD 2

Martinique 474 MTQ Euro 978 EUR 2

Ouguiya 929 MRU 2

Mauritania 478 MRT
Ouguiya (old) 478 MRO 2

Mauritius 480 MUS Mauritius Rupee 480 MUR 2

Mayotte 175 MYT Euro 978 EUR 2

Mexico 484 MEX Mexican Peso 484 MXN 2

Micronesia 583 FSM U.S. Dollar 840 USD 2

Midway Islands 488 MID U.S. Dollar 840 USD 2

Moldova, Republic
498 MDA Moldovan Leu 498 MDL 2
of

Monaco 492 MCO Euro 978 EUR 2

Mongolia 496 MNG Tugrik 496 MNT 2

Montenegro 499 MNE Euro 978 EUR 2

Montserrat 500 MSR East Caribbean Dollar 951 XCD 2

Morocco 504 MAR Moroccan Dirham 504 MAD 2

Mozambique 508 MOZ Metical 943 MZN 2

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Country/Region Decimal
Numeric Alpha Currency Name Numeric Alpha
Name Digit

Myanmar 104 MMR Kyat 104 MMK 2

Namibia 516 NAM Dollar 516 NAD 2

Nauru 520 NRU South African Rand 710 ZAR 2

Nauru 520 NRU Australian Dollar 036 AUD 2

Nepal 524 NPL Nepalese Rupee 524 NPR 2

Netherlands 528 NLD Euro 978 EUR 2

Netherlands Antillian
Netherlands Antilles 530 ANT 532 ANG 2
Guilder

New Caledonia 540 NCL CFP Franc 953 XPF 0

New Zealand 554 NZL New Zealand Dollar 554 NZD 2

Nicaragua 558 NIC Cordoba Oro 558 NIO 2

Niger 562 NER CFA Franc BCEAO 952 XOF 0

Nigeria 566 NGA Naira 566 NGN 2

Niue 570 NIU New Zealand Dollar 554 NZD 2

Norfolk Island 574 NFK Australian Dollar 036 AUD 2

Northern Mariana
580 MNP U.S. Dollar 840 USD 2
Islands

Norway 578 NOR Norwegian Krone 578 NOK 2

Oman 512 OMN Rial Omani 512 OMR 3

Pakistan 586 PAK Pakistan Rupee 586 PKR 2

Palau 585 PLW U.S. Dollar 840 USD 2

Palestine, State of 275 PSE U.S. Dollar 840 USD 2

Balboa 590 PAB 2

Panama 591 PAN
U.S. Dollar 840 USD 2

UPI Confidential 59
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Country/Region Decimal
Numeric Alpha Currency Name Numeric Alpha
Name Digit

Papua New Guinea 598 PNG Kina 598 PGK 2

Paraguay 600 PRY Guarani 600 PYG 0

Peru 604 PER Sol 604 PEN 2

Philippines (The) 608 PHL Philippine Piso 608 PHP 2

Pitcairn 612 PCN New Zealand Dollar 554 NZD 2

Poland 616 POL Zloty 985 PLN 2

Portugal 620 PRT Euro 978 EUR 2

Puerto Rico 630 PRI U.S. Dollar 840 USD 2

Qatar 634 QAT Qatari Rial 634 QAR 2

Réunion 638 REU Euro 978 EUR 2

Romania 642 ROM Romanian Leu 946 RON 2

New Ruble （ Russian

Russian Federation 643 RUS 643 RUB 2
Ruble）

Rwanda 646 RWA Rwanda Franc 646 RWF 0

Saint Barthelemy 652 BLM Euro 978 EUR 2

Saint Martin (French 663 MAF Euro 978 EUR 2

part)

Samoa 882 WSM Tala 882 WST 2

San Marino 674 SMR Euro 978 EUR 2

Dobra 930 STN 2

Sao Tome and
678 STP
Principe
Dobra (old) 678 STD 2

Saudi Arabia 682 SAU Saudi Riyal 682 SAR 2

Senegal 686 SEN CFA Franc BCEAO 952 XOF 0

Serbia and 891 YUG Serbian Dinar 941 RSD 2

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Country/Region Decimal
Numeric Alpha Currency Name Numeric Alpha
Name Digit

Montenegro

Serbia 688 SRB Serbian Dinar 941 RSD 2

Seychelles 690 SYC Seychelles Rupee 690 SCR 2

Sierra Leone 694 SLE Leone 694 SLL 2

Singapore 702 SGP Singapore Dollar 702 SGD 2

Sint Maarten (Dutch 534 SXM Netherlands Antillean 532 ANG 2

part) Guilder

Slovakia 703 SVK Euro 978 EUR 2

Slovenia 705 SVN Euro 978 EUR 2

Solomon Islands 090 SLB Solomon Islands Dollar 090 SBD 2

Somalia 706 SOM Somali Shilling 706 SOS 2

South Africa 710 ZAF Rand 710 ZAR 2

South Georgia and

The South Sandwich 239 SGS No universal currency
Islands

South Sudan 728 SSD South Sudanese Pound 728 SSP 2

Spain 724 ESP Euro 978 EUR 2

Sri Lanka 144 LKA Sri Lanka Rupee 144 LKR 2

St. Helena 654 SHN St. Helena Pound 654 SHP 2

St. Kitts-Nevis 659 KNA East Caribbean Dollar 951 XCD 2

St. Lucia 662 LCA East Caribbean Dollar 951 XCD 2

St. Pierre and

666 SPM Euro 978 EUR 2
Miquelon

Saint Vincent and the

670 VCT East Caribbean Dollar 951 XCD 2
Grenadines

Sudan 729 SDN Sudanese Pound 938 SDG 2

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Country/Region Decimal
Numeric Alpha Currency Name Numeric Alpha
Name Digit

Suriname 740 SUR Surinam Dollar 968 SRD 2

Svalbard and Jan

744 SJM Norwegian Krone 578 NOK 2
Mayen Islands

Swaziland 748 SWZ Lilangeni 748 SZL 2

Sweden 752 SWE Swedish Krona 752 SEK 2

Switzerland 756 CHE Swiss Franc 756 CHF 2

Syrian Arab Republic 760 SYR Syrian Pound 760 SYP 2

Taiwan 158 TWN New Taiwan Dollar 901 TWD 2

Tajikistan 762 TJK Somoni 972 TJS 2

Tanzania, United
834 TZA Tanzanian Shilling 834 TZS 2
Republic of

Thailand 764 THA Baht 764 THB 2

Togo 768 TGO CFA Franc BCEAO 952 XOF 0

Tokelau 772 TKL New Zealand Dollar 554 NZD 2

Tonga 776 TON Pa’anga 776 TOP 2

Trinidad and Tobago

Trinidad and Tobago 780 TTO 780 TTD 2
Dollar

Tunisia 788 TUN Tunisian Dinar 788 TND 3

Turkey 792 TUR New Turkish Lira 949 TRY 2

Turkmenistan 795 TKM New Manat 934 TMT 2

Turks and Caicos

796 TCA U.S. Dollar 840 USD 2
Islands

Tuvalu 798 TUV Australian Dollar 036 AUD 2

U.S. Minor Outlying

581 UMI U.S. Dollar 840 USD 2
Islands

Uganda 800 UGA Uganda Shilling 800 UGX 0

UPI Confidential 62
 Part VI: Annex

Country/Region Decimal
Numeric Alpha Currency Name Numeric Alpha
Name Digit

Ukraine 804 UKR Hryvnia 980 UAH 2

United Arab Emirates 784 ARE UAE Dirham 784 AED 2

United Kingdom 826 GBR Pound Sterling 826 GBP 2

United States 840 USA U.S. Dollar 840 USD 2

Peso Uruguayo 858 UYU 2

Uruguay 858 URY

Uruguay Peso en
940 UYI 0
Unidades Indexadas (UI)

Uzbekistan 860 UZB Uzbekistan Sum 860 UZS 2

Vanuatu 548 VUT Vatu 548 VUV 0

Holy See (Vatican

336 VAT Euro 978 EUR 2
City State)

Venezuela 862 VEN Bolívar 937 VEF 2

Vietnam 704 VNM Dong 704 VND 0

Virgin Islands,
092 VGB U.S. Dollar 840 USD 2
British

Virgin Islands, U.S. 850 VIR U.S. Dollar 840 USD 2

Wake Island 872 WAK U.S. Dollar 840 USD 2

Wallis and Futuna

876 WLF CFP Franc 953 XPF 0
Islands

Western Sahara 732 ESH Moroccan Dirham 504 MAD 2

Yemen 887 YEM Yemen Rial 886 YER 2

Zambia 894 ZMB Kwacha 967 ZMW 2

Zimbabwe 716 ZWE Zimbabwe Dollar 932 ZWL 2

A.6 Standard ASCII Printable characters

Members can refer below Table A.39 as Standard ASCII Printable Characters.

UPI Confidential 63
 Part VI: Annex

A.39 Standard ASCII Printable Characters

Binary Oct Dec Hex Glyph Binary Oct Dec Hex Glyph

0010 0000 40 32 20 (space) 0101 0000 120 80 50 P

0010 0001 41 33 21 ! 0101 0001 121 81 51 Q

0010 0010 42 34 22 " 0101 0010 122 82 52 R

0010 0011 43 35 23 # 0101 0011 123 83 53 S

0010 0100 44 36 24 $ 0101 0100 124 84 54 T

0010 0101 45 37 25 % 0101 0101 125 85 55 U

0010 0110 46 38 26 & 0101 0110 126 86 56 V

0010 0111 47 39 27 ' 0101 0111 127 87 57 W

0010 1000 50 40 28 ( 0101 1000 130 88 58 X

0010 1001 51 41 29 ) 0101 1001 131 89 59 Y

0010 1010 52 42 2A * 0101 1010 132 90 5A Z

0010 1011 53 43 2B + 0101 1011 133 91 5B [

0010 1100 54 44 2C , 0101 1100 134 92 5C \

0010 1101 55 45 2D - 0101 1101 135 93 5D ]

0010 1110 56 46 2E . 0101 1110 136 94 5E ^

0010 1111 57 47 2F / 0101 1111 137 95 5F _

0011 0000 60 48 30 0 0110 0000 140 96 60 `

0011 0001 61 49 31 1 0110 0001 141 97 61 a

UPI Confidential 64
 Part VI: Annex

0011 0010 62 50 32 2 0110 0010 142 98 62 b

0011 0011 63 51 33 3 0110 0011 143 99 63 c

0011 0100 64 52 34 4 0110 0100 144 100 64 d

0011 0101 65 53 35 5 0110 0101 145 101 65 e

0011 0110 66 54 36 6 0110 0110 146 102 66 f

0011 0111 67 55 37 7 0110 0111 147 103 67 g

0011 1000 70 56 38 8 0110 1000 150 104 68 h

0011 1001 71 57 39 9 0110 1001 151 105 69 i

0011 1010 72 58 3A : 0110 1010 152 106 6A j

0011 1011 73 59 3B ; 0110 1011 153 107 6B k

0011 1100 74 60 3C < 0110 1100 154 108 6C l

0011 1101 75 61 3D = 0110 1101 155 109 6D m

0011 1110 76 62 3E > 0110 1110 156 110 6E n

0011 1111 77 63 3F ? 0110 1111 157 111 6F o

0100 0000 100 64 40 @ 0111 0000 160 112 70 p

0100 0001 101 65 41 A 0111 0001 161 113 71 q

0100 0010 102 66 42 B 0111 0010 162 114 72 r

0100 0011 103 67 43 C 0111 0011 163 115 73 s

0100 0100 104 68 44 D 0111 0100 164 116 74 t

0100 0101 105 69 45 E 0111 0101 165 117 75 u

UPI Confidential 65
 Part VI: Annex

0100 0110 106 70 46 F 0111 0110 166 118 76 v

0100 0111 107 71 47 G 0111 0111 167 119 77 w

0100 1000 110 72 48 H 0111 1000 170 120 78 x

0100 1001 111 73 49 I 0111 1001 171 121 79 y

0100 1010 112 74 4A J 0111 1010 172 122 7A z

0100 1011 113 75 4B K 0111 1011 173 123 7B {

0100 1100 114 76 4C L 0111 1100 174 124 7C |

0100 1101 115 77 4D M 0111 1101 175 125 7D }

0100 1110 116 78 4E N 0111 1110 176 126 7E ~

0100 1111 117 79 4F O

UPI Confidential 66
 Part VI: Annex

Appendix B Table of Transaction Type Identification

The value of the first two digits in Field 3 is specifically assigned for each transaction type to be distinguished from other transaction types. The
value of the last four digits in Field 3 value, as defined in Section 6.5 Field 3 Processing Code in Part II Online Message, cannot be used to
distinguish transaction types.

B.1 Single-message Financial & Pre-authorization Transaction

The following table shows the values of key fields in single-message financial transactions and pre-authorization transactions for cross-border
transactions.

Table B.1 Transaction Type Identification of Single-message Financial & Pre-authorization Transaction

Message Type
Transaction Type Transaction Name Field 3 Field 18 Field 25 Field 60.2.5
(Request/Response)
ATM Balance Inquiry 0200/0210 30x000 6011 02 01
Balance Inquiry Being valued according to
Balance Inquiry 0200/0210 30x000 not 6011 00
transaction initiating channel
ATM Cash Withdrawal 0200/0210 01x000 6011 02 01
Manual Cash Withdrawal 0200/0210 01x000 6010 00 06
Cash Withdrawal
Being valued according to
POS Cash Withdrawal 0200/0210 01x000 00 03, 23
actual situation
ATM Cash Withdrawal Reversal 0420/0430 01x000 6011 02 01
Cash Withdrawal Manual Cash Withdrawal Reversal 0420/0430 01x000 6010 00 06
Reversal Being valued according to
POS Cash Withdrawal Reversal 0420/0430 01x000 00 03, 23
actual situation
Being valued according to Being valued according to
Remittance Remittance Verification 0100/0110 24x000 00
actual situation transaction initiating channel

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 Part VI: Annex

Message Type
Transaction Type Transaction Name Field 3 Field 18 Field 25 Field 60.2.5
(Request/Response)
Being valued according to Being valued according to
Online Remittance 0200/0210 24x000 00
actual situation transaction initiating channel
being valued according to
Manual Remittance 0200 24x000 00 12
actual situation
Being valued according to
Pre-authorization 0100/0110 03x000 Not 6010, 6011 06
transaction initiating channel
Pre-authorization
Being valued according to
MO/TO Pre-authorization 0100/0110 03x000 Not 6010, 6011 18
transaction initiating channel
Being valued according to
Pre-authorization Cancellation 0100/0110 20x000 Not 6010,6011 06
transaction initiating channel
Manual Pre-authorization
0100/0110 20x000 Not 6010, 6011 06 12
Pre-authorization Cancellation
Cancellation MO/TO Pre-authorization Being valued according to
0100/0110 20x000 Not 6010, 6011 18
Cancellation transaction initiating channel
Manual MO/TO Pre-authorization
0100/0110 20x000 Not 6010,6011 18 12
Cancellation
Being valued according to
Pre-authorization Reversal 0420/0430 03x000 Not 6010, 6011 06
Pre-authorization transaction initiating channel
Reversal Being valued according to
MO/TO Pre-authorization Reversal 0420/0430 03x000 Not 6010, 6011 18
transaction initiating channel
Pre-authorization Cancellation Being valued according to
Pre-authorization 0420/0430 20x000 Not 6010, 6011 06
Reversal transaction initiating channel
Cancellation
Manual Pre-authorization
Reversal 0420/0430 20x000 Not 6010, 6011 06 12
Cancellation Reversal

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Message Type
Transaction Type Transaction Name Field 3 Field 18 Field 25 Field 60.2.5
(Request/Response)
MO/TO Pre-authorization Being valued according to
0420/0430 20x000 Not 6010,6011 18
Cancellation Reversal transaction initiating channel
Manual MO/TO Pre-authorization
0420/0430 20x000 Not 6010,6011 18 12
Cancellation Reversal
Pre-authorization Completion Being valued according to
0200/0210 00x000 Not 6010, 6011 06
(Request) transaction initiating channel
Pre-authorization Completion Being valued according to
0220/0230 00x000 Not 6010, 6011 06
(Advice) transaction initiating channel
Manual Pre-authorization Completion 0220 00x000 Not 6010,6011 06 12
Pre-authorization
MO/TO Pre-authorization Completion Being valued according to
Completion 0200/0210 00x000 Not 6010,6011 18
(Request) transaction initiating channel
MO/TO Pre-authorization Completion Being valued according to
0220/0230 00x000 Not 6010,6011 18
(Advice) transaction initiating channel
Manual MO/TO Pre-authorization
0220 00x000 Not 6010,6011 18 12
Completion
Pre-authorization Completion Being valued according to
Pre-authorization 0200/0210 20x000 Not 6010, 6011 06
Cancellation transaction initiating channel
Completion
MO/TO Pre-authorization Completion Being valued according to
Cancellation 0200/0210 20x000 Not 6010,6011 18
Cancellation transaction initiating channel
Pre-authorization Completion Being valued according to
Pre-authorization 0420/0430 00x000 Not 6010, 6011 06
Reversal transaction initiating channel
Completion
MO/TO Pre-authorization Completion Being valued according to
Reversal 0420/0430 00x000 Not 6010,6011 18
(Request) Reversal transaction initiating channel

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Message Type
Transaction Type Transaction Name Field 3 Field 18 Field 25 Field 60.2.5
(Request/Response)

Pre-authorization Pre-authorization Completion Being valued according to

0420/0430 20x000 Not 6010, 6011 06
Completion Cancellation Reversal transaction initiating channel
Cancellation MO/TO Pre-authorization Completion Being valued according to
0420/0430 20x000 Not 6010,6011 18
Reversal Cancellation Reversal transaction initiating channel
Being valued according to
Normal Purchase 0200/0210 00x000 Not 6010,6011 00
transaction initiating channel
Being valued according to
Installment Payment Purchase 0200/0210 00x000 Not 6010,6011 64
transaction initiating channel
Purchase
Being valued according to
MO/TO Purchase 0200/0210 00x000 Not 6010,6011 08
transaction initiating channel
Being valued according to
Recurring 0200/0210 00x000 Not 6010,6011 28
transaction initiating channel
Being valued according to
Normal Purchase Reversal 0420/0430 00x000 Not 6010,6011 00
transaction initiating channel
Installment Payment Purchase Being valued according to
0420/0430 00x000 Not 6010,6011 64
Reversal transaction initiating channel
Purchase Reversal
Being valued according to
MO/TO Purchase Reversal 0420/0430 00x000 Not 6010,6011 08
transaction initiating channel
Being valued according to
Recurring Reversal 0420/0430 00x000 Not 6010,6011 28
transaction initiating channel
Being valued according to
Purchase Normal Purchase Cancellation 0200/0210 20x000 Not 6010,6011 00
transaction initiating channel
Cancellation
Installment Payment Purchase 0200/0210 20x000 Not 6010,6011 64 Being valued according to

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Message Type
Transaction Type Transaction Name Field 3 Field 18 Field 25 Field 60.2.5
(Request/Response)
Cancellation transaction initiating channel
Being valued according to
MO/TO Purchase Cancellation 0200/0210 20x000 Not 6010,6011 08
transaction initiating channel
Being valued according to
Recurring Cancellation 0200/0210 20x000 Not 6010,6011 28
transaction initiating channel
Normal Purchase Cancellation Being valued according to
0420/0430 20x000 Not 6010,6011 00
Reversal transaction initiating channel
Installment Payment Purchase Being valued according to
Purchase 0420/0430 20x000 Not 6010,6011 64
Cancellation Reversal transaction initiating channel
Cancellation
MO/TO Purchase Cancellation Being valued according to
Reversal 0420/0430 20x000 Not 6010,6011 08
Reversal transaction initiating channel
Being valued according to
Recurring Cancellation Reversal 0420/0430 20x000 Not 6010,6011 28
transaction initiating channel
Being valued according to
Refund (Online) 0220/0230 20x000 Not 6010,6011 00
transaction initiating channel
Being valued according to
MO/TO Refund (Online) 0220/0230 20x000 Not 6010,6011 08
transaction initiating channel
Being valued according to
Installment Payment Refund (Online) 0220/0230 20x000 Not 6010, 6011 64
Refund transaction initiating channel
Manual Refund (Original Transaction
0220 20x000 Not 6010,6011 61 12
Found )
Credit Voucher (Original Transaction
0220 20x000 Not 6010,6011 62 12
Not Found)
Account Funding Refund 0220/0230 20x000 Filled in according to the 66 Being valued according to

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Message Type
Transaction Type Transaction Name Field 3 Field 18 Field 25 Field 60.2.5
(Request/Response)
actual status transaction initiating channel
Being valued according to
Settlement Advice 0220/0230 00x000 Not 6010,6011 06
transaction initiating channel
Settlement Advice
Being valued according to
MO/TO Settlement Advice 0220/0230 00x000 Not 6010,6011 18
transaction initiating channel
E-cash IC card Designated Account
E-cash IC Card Filled in according to actual Being valued according to
Loading Based on UICS Debit/Credit 0200/0210 60x000 91
Designated Account status transaction initiating channel
Standard
Loading Based on
E-cash IC Card Designated Account
UICS Debit/Credit Filled in according to actual Being valued according to
Loading Reversal Based on UICS 0420/0430 60x000 91
Standard status transaction initiating channel
Debit/Credit Standard
E-cash IC Card Filled in according to actual Being valued according to
Cash Loading 0200/0210 63x000 91
Cash Loading Based status transaction initiating channel
on UICS
Filled in according to actual Being valued according to
Debit/Credit Cash Loading Reversal 0420/0430 63x000 91
status transaction initiating channel
Standard
Establishment of Commission Filled in according to actual Being valued according to
0100/0110 89x000 00
Relationship status transaction initiating channel
Establishment of Commission Filled in according to actual Being valued according to
0420/0430 89x000 00
Commission Relationship Reversal status transaction initiating channel
Relationship Filled in according to Being valued according to
Revoke of Commission Relationship 0100/0110 92x000 00
actual status transaction initiating channel
Revoke of Commission Relationship Filled in according to actual Being valued according to
0420/0430 92x000 00
Reversal status transaction initiating channel

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Message Type
Transaction Type Transaction Name Field 3 Field 18 Field 25 Field 60.2.5
(Request/Response)
Filled in according to actual Being valued according to
Account Verification Account Verification 0100/0110 33x000 00
status transaction initiating channel
Filled in according to actual Being valued according to
Primary Credit 0200/0210 2900x0 00
status transaction initiating channel
Primary Credit
Filled in according to Being valued according to
Primary Credit Confirmation 0220/0230 2900x0 68
actual status transaction initiating channel
Filled in according to the Being valued according to
Account Funding Transaction 0200/0210 49x000 00
actual status transaction initiating channel
Account Funding
Filled in according to the Being valued according to
Account Funding Reversal 0420/0430 49x000 00
actual status transaction initiating channel

Note: Dual message member may enable the remittance verification, online remittance, primary credit, primary credit confirmation, account
verification, establishment of commission relationship, revoke of commission relationship, account funding, etc. according to business requirements.
The message formats are the same as those in the single-message transaction mode.

B.2 Dual-message Transaction

The following table shows the values of key fields in dual-message transactions for cross-border transactions.

Table B.2 Transaction Type Identification for Dual-message Transaction.

Message Type
Transaction Type Transaction Name Field 3 Field 18 Field 25 Field 60.2.5
(Request/Response)

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Message Type
Transaction Type Transaction Name Field 3 Field 18 Field 25 Field 60.2.5
(Request/Response)

Being valued according to

Balance Inquiry Balance Inquiry 0100/0110 30x000 Not 6011 00
transaction initiating channel

Normal Fixed/Estimated Amount Being valued according to

0100/0110 00x000 Not 6010, 6011 00
Authorization transaction initiating channel

Manual Cash Withdrawal 0100/0110 01x000 6010 00 06

Being valued according to

POS Cash Withdrawal 0100/0110 01x000 00 03, 23
actual situation

Authorization
Being valued according to
Instalment Payment Authorization 0100/0110 00x000 Not 6010, 6011 64
transaction initiating channel

Being valued according to

MO/TO Authorization 0100/0110 00x000 Not 6010, 6011 08
transaction initiating channel

Being valued according to

Recurring Authorization 0100/0110 00x000 Not 6010, 6011 28
transaction initiating channel

Authorization Normal Fixed/Estimated Amount Being valued according to

0100/0110 20x000 Not 6010, 6011 00
Cancellation Authorization Cancellation transaction initiating channel

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Message Type
Transaction Type Transaction Name Field 3 Field 18 Field 25 Field 60.2.5
(Request/Response)

Instalment Payment Authorization Being valued according to

0100/0110 20x000 Not 6010, 6011 64
Cancellation transaction initiating channel

Manual Authorization Cancellation 0100/0110 20x000 Not 6010、6011 00 12

Manual MO/TO Authorization

0100/0110 20x000 Not 6010、6011 08 12
Cancellation

Being valued according to

MO/TO Authorization Cancellation 0100/0110 20x000 Not 6010, 6011 08
transaction initiating channel

Recurring Authorization Being valued according to

0100/0110 20x000 Not 6010, 6011 28
Cancellation transaction initiating channel

Normal Fixed/Estimated Amount Being valued according to

0420/0430 00x000 Not 6010, 6011 00
Authorization Reversal transaction initiating channel

Authorization
Manual Cash Withdrawal Reversal 0420/0430 01x000 6010 00 06
Reversal

Being valued according to

POS Cash Withdrawal Reversal 0420/0430 01x000 00 03, 23
actual situation

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Message Type
Transaction Type Transaction Name Field 3 Field 18 Field 25 Field 60.2.5
(Request/Response)

Instalment Payment Authorization Being valued according to

0420/0430 00x000 Not 6010, 6011 64
Reversal transaction initiating channel

Being valued according to

MO/TO Authorization Reversal 0420/0430 00x000 Not 6010, 6011 08
transaction initiating channel

Being valued according to

Recurring Authorization Reversal 0420/0430 00x000 Not 6010, 6011 28
transaction initiating channel

Normal Fixed/Estimated Amount

Being valued according to
Authorization Cancellation 0420/0430 20x000 Not 6010, 6011 00
transaction initiating channel
Reversal

Instalment Payment Authorization Being valued according to

Authorization 0420/0430 20x000 Not 6010, 6011 64
Cancellation Reversal transaction initiating channel
Cancellation
Reversal
MO/TO Authorization Cancellation Being valued according to
0420/0430 20x000 Not 6010, 6011 08
Reversal transaction initiating channel

Recurring Authorization Being valued according to

0420/0430 20x000 Not 6010, 6011 28
Cancellation Reversal transaction initiating channel

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Message Type
Transaction Type Transaction Name Field 3 Field 18 Field 25 Field 60.2.5
(Request/Response)

Manual
Authorization Manual Authorization Presentment 0220 00x000 Not 6010, 6011 06 12
Presentment

Notes: manual authorization presentment is for dual message acquirer who can submit dual message presentment transaction on CDRS (only for
estimated amount Authorization presentment). For dual-message acquirers and issuers, the transaction will be recorded in the settlement file after
cut-off. For single-message issuer, the transaction will be recorded in the audit-trailer file after cut-off.

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B.3 Management and Network Management Transaction

The following table shows the values of key fields in management and network
management transactions for cross-border transactions.

Table B.3 Transaction Type Identification for Management and Network

Management Transaction

Message Type
Transaction Type Transaction Name Field 70
(Request/Response)

Sign-on Log-in 0820/0830 001

Sign-off Log-off 0820/0830 002

Enable Member Enable Member 0820/0830 001

Disable Member Disable Member 0820/0830 002

Echo Test Echo Test 0820/0830 301

Request for Key Reset

0820/0830 101
(initiated by Members)
Key Reset
Key Reset (initiated by
0800/0810 101
UPI)

Daily Cut-off Start 0820/0830 201

Daily Cut-off Advice
Daily Cut-off End 0820/0830 202

UnionPay Card Exchange

0600/0610 801
Rate Inquiry
Management Inquiry
Merchant-presented QRC 0600/0610 810
Transaction Result Inquiry

Script Processing Result

0620/0630 951
Advice

Management Advice Suspicious Fraud Advice 0620/0630 802

Stand-in Authorization
0620/0630 902
Parameter Advice

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B.4 Dispute Transaction

The values of key fields in the table below are only used for distinguishing dispute transaction types, and they are not used in real online messages.

Transaction Type Transaction Name Message Type Field 3 Field 18 Field 25 Field 60.2.5
(Request/
Response)

Credit Adjustment for Credit Adjustment sent to Issuers 0220 22x000 Same as value for 00 Same as value for original
normal transaction original transaction transaction

Credit Adjustment Credit Adjustment for remittance and 0422 22x000 Same as value for 83 Same as value for original
initiated by Issuer primary credit transaction original transaction transaction

Debit Adjustment Debit Adjustment sent to Acquirers 0422 02x000 Same as value for 00 Same as value for original
original transaction transaction

Debit Adjustment sent to Issuers 0220 02x000 Same as value for 00 Same as value for original
original transaction transaction

Representment Representment sent to Acquirers (original 0422 02x000 Same as value for 13 Same as value for original
transactionDebit original transaction transaction
AdjustmentChargebackRepresentment)

Representment sent to Issuers (original 0220 02x000 Same as value for 13 Same as value for original
transaction Debit Adjustment original transaction transaction

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Transaction Type Transaction Name Message Type Field 3 Field 18 Field 25 Field 60.2.5
(Request/
Response)

Chargeback Representment)

Representment sent to Acquirers (original 0422 Same as value Same as value for 13 Same as value for original
transaction Chargeback for original original transaction transaction
transaction
Representment)

Representment sent to Issuers (original 0220 Same as value Same as value for 13 Same as value for original
transaction Chargeback for original original transaction transaction
Representment) transaction

Chargeback Chargeback sent to Acquirers (for Debit 0422 02x000 Same as value for 17 Same as value for original
Adjustment transaction) original transaction transaction

Chargeback sent to Issuers (for Debit 0220 02x000 Same as value for 17 Same as value for original
Adjustment transaction) original transaction transaction

Chargeback sent to Acquirer (for other 0422 Same as value Same as value for 17 Same as value for original
transactions) for original original transaction transaction
transaction

Chargeback sent to Issuers (for other 0220 Same as value Same as value for 17 Same as value for original

UPI Confidential 80
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Transaction Type Transaction Name Message Type Field 3 Field 18 Field 25 Field 60.2.5
(Request/
Response)

transactions) for original original transaction transaction

transaction

Second Chargeback Second chargeback sent to Acquirers 0422 02x000 Same as value for 41 Same as value for original
original transaction transaction

Second chargeback sent to Issuers 0220 02x000 Same as value for 41 Same as value for original
original transaction transaction

Exceptional Exceptional Processing sent to initiator 0422 22x000 Same as value for 82 Same as value for original
Processing original transaction transaction

Exceptional Processing sent to receiver 0220 22x000 Same as value for 82 Same as value for original
original transaction transaction

Fee Collection/ Fee Collection 0220 19x000 (N/A) 00 Fill in default value

Fund Disbursement
Fund Disbursement 0220 29x000 (N/A) 00 Fill in default value

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B.5 IC Card Transactions Based on UICS Debit/Credit Standards

B.5.1 IC Card Transactions based on UICS Debit/Credit Standards

CUPS supports the processing of Field 55, it can identify IC card information
submitted by terminals and decide whether to forward the IC card information to
Issuers according to the system modification status of the receiving institution
(Field 100). Please refer to the following table for details.

Table B.5 The implementation method for the support of CUPS to IC card switch
based on UICS debit/credit standards

Acquirer Issuer CUPS Processing

1 Early Early Delete field 23, 55 information forwarding, verify

2 Early Full Delete field 23, 55 information forwarding, verify ARQC and generate
ARPC, with the Acquirer bears the risk.

3 Full Early Directly forward field 23, 55 information and the acquirer shall switch
from Full to Early, who should be able to conduct the switch.

4 Full Full Directly forward field 23, 55 information

B.5.2 Stand-in Authorization of IC Card based on UICS Debit/Credit Standard

The followings shall be implemented to support the function of stand-in

authorization of IC card.

B.5.2.1 Function of Security Authentication

Security authentication is crucial for stand-in authorization. The process of IC

card authentication includes two levels of authentication related to Issuers.

B.5.2.2 Online Card Authentication

In an online transaction, the card will generate ARQC (Authorization Request

Cryptogram), which will be verified by Issuers to authenticate the validation of the
card.

The UDK (Unique Derivation Key) is adopted when CUPS checks the ARQC, the
UDK is generated by MDK (Master Derivation Key) together with PAN and the
PAN serial number of the card, and it is stored in the card to generate ARQC.

Every UDK corresponds with a unique card. ARQC is usually generated from a
combination of eight terminal fields and three card fields by 3DES algorithm. The
Issuer adopts the same algorithm to calculate ARQC. And the Issuer may also
determine the data source at its own discretion. The general data source and its
sequence are as follows:

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Table B.6 Data Elements for Generating ARQC

No. Tag Name

8 terminal data elements

1 9F02 Authorization amount

2 9F03 Other amount

3 9F1A Terminal country code

4 95 Terminal verification result

5 5F2A Terminal currency code

6 9A Transaction date

7 9C Transaction type

8 9F37 Random number

3 card data elements

9 82 Interaction feature

10 9F36 Transaction counter

11 9F10 Card verification result (part of the applied data of Issuers)

CUPS shall, on behalf of the Issuer, calculate ARQC and verify it during stand-in
authorization. Issuer’s MDK is required for calculating ARQC. There are two
methods. One method is that the CUPS generates ARQC on behalf of the Issuer.
The other is that the Issuer delivers the MDK to CUPS after having encrypted it
through ZCMK (Zone Control Master Key). CUPS can calculate ARQC
according the above-mentioned method and verify the validity of the card. The
transaction will be rejected if the verification fails.

B.5.2.3 Online Issuer Authentication

In an online transaction, the Issuer generates ARPC (Authorization Response

Cryptogram). The card will verify the ARPC to authenticate the validity of the
Issuer.

The approach to generate ARPC is as follows: to XOR the response code of

authorization response cryptogram of both ARQC and Tag 91 firstly and, then, to
generate ARPC through 3DES algorithm together with UDK and, finally, store
the result in the authorization response cryptogram in sub-field of Tag 91.

Similarly, CUPS needs to know Issuer’ MDK when conducting the stand-in
authorization for it should calculate ARPC on behalf of the Issuer. The operation
is the same as that in D.3.2. CUPS can obtain ARPC through the
above-mentioned methods upon receipt of MDK and transmit the result to the

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card. The card will compare the result with the APRC calculated by the card itself
to verify the validity of the Issuer.

B.5.2.4 Processing of Issuer’s Script

As for the processing of Issuer’ script, CUPS support application lock etc. in
accordance with the stand-in authorization agreement signed with the Issuer.

B.5.3 On-behalf Validation of IC Card based on UICS Debit/Credit Standards

On-behalf validation is adopted for security authentication only, and it only

verifies the ARQC on behalf of the Issuer and then sends the verification result to
the Issuer. Whether this transaction shall be approved or rejected is at the
discretion of the Issuer, and CUPS must not interfere or tamper the transaction
result.

The Issuer may trust the ARQC calculated by CUPS or not, and decide the
transaction result independently. Therefore, the Issuer may reject the transaction
despite the verified value of ARQC by CUPS and vice versa.

CUPS shall perform on-behalf verification according to the Issuer’s card BIN.
CUPS shall firstly search for the corresponding on-behalf verification field of the
BIN. If the BIN requires CUPS to verify ARQC and generate ARPC, CUPS will
conduct such processing; if the BIN does not require such processing, CUPS will
not conduct any on-behalf verification. It shall be noticed that if the BIN does not
require on-behalf verification of ARQC and generation of ARPC, but the receiver
is in the status of Early, such EMV transaction will be rejected.

The process of on-behalf verification includes one level authentication as follows:

Online Card Authentication

The card will generate ARQC in an online transaction. The Issuer verifies ARQC
to authenticate the validity of the card.

In this instance, the stand-in authorization mainly refers to the case in which
CUPS generates ARQC on behalf of the Issuer and compare the result with
ARQC from the card. Issuers could be divided into two groups, Early Issuers and
Full Issuers, that is, partial migration (means that the Member has no ability to
authenticate cards, or receive IC card information regarding card authentication)
and full migration (means that the Member has the ability to authenticate cards
and receive IC card information regarding card authentication), according to the
migration status of Issuers towards UICS debit/credit standards. For early Issuers
who request on-behalf verification, CUPS will generate ARQC on behalf of them
and store the authentication result in Field 61.5. As for full Issuers who request
stand-in verification, CUPS will generate ARQC on behalf of them and store the
comparison result in Field 61.5 and send it to the Issuers.

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The ARPC generated during the on-behalf validation shall be stored in the Issuers
confirmation data with tag 91 to be sent to the card in order to verify the validity
of the card.

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Appendix C Report Sample

C.1 Institution Settlement Summary Report C602DZ Sample

The following report samples are examples of UIS report for a single institution
with a certain currency association. In the example, the numbered fields on the
report correspond to the numbered field on the UIS report.

Note：In an individual settlement date, under each settlement currency, the ultimate
settlement amount shall be calculated under the following rules: acquirers shall take
a highly accurate “Acquirer-Net Settlement Amount” in C602-DZ-001 in each C602
report, sum up if this acquirer has multiple C602 of the same settlement currency
under the same IIN, and then round up to the minor unit of currency. The rounded
number “A” is the ultimate remittance amount. Similarly, Issuers shall take a highly
accurate “Issuer-Net Settlement Amount” in C602-DZ-001 in each C602 report,
sum up if this issuer has multiple C602 of the same settlement currency under the
same IIN, and then round up to the minor unit of currency. The rounded number “B”
is the ultimate remittance amount. If a member simultaneously acts as an Acquirer
and Issuer with the same IIN, and requires net settlement with UnionPay, this
member shall add A and B to derive the ultimate net remittance amount.

In sub-report “UPI Institution Dispute Fee Report” (C602-DZ-003), the term

“Presentment” refers to “Debit Adjustment”. For example, “POS Presentment” is
equivalent to “POS Debit Adjustment”. But specifically, “ATM Presentment” refers
to “ATM Debit Adjustment and ATM Representment”.

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=====================================================================================================================================================================================================

IIN: XXXX0344

Institution Name: BOCC(HKD)

Transaction Settlement Date: YYYYMMDD

Report Date: YYYYMMDD

Transaction Currency: 156

Settlement Currency: 344

=====================================================================================================================================================================================================

Report Code: C602-DZ-001

Report Name: UPI Institution Settlement Summary Report (Daily Report)

Report Date: YYYYMMDD

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Ins Role Transaction Type Settlement Count Transaction Amount Settlement Amount Reimbursement Fee Service Fee Additional Fee Net Settlement Amount

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Issuer Total 0 0.00 0.000000 0.000000 0.000000 0.000000 0.000000

Acquirer Total 0 0.00 0.000000 0.000000 0.000000 0.000000 0.000000

All Total 0 0.00 0.000000 0.000000 0.000000 0.000000 0.000000

=====================================================================================================================================================================================================

Report Code: C602-DZ-002

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Report Name: UPI Institution Settlement Fee Report (Daily Report)

Report Date: YYYYMMDD

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Ins Role Transaction Type Settlement Count Transaction Amount Settlement Amount Reimbursement Fee Service Fee Additional Fee Net Settlement Amount

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Issuer ATM Cash Withdrawal 0 0.00 0.000000 0.000000 0.000000 0.000000 0.000000

Issuer ATM Inquiry 0 0.00 0.000000 0.000000 0.000000 0.000000 0.000000

Issuer ATM Subtotal 0 0.00 0.000000 0.000000 0.000000 0.000000 0.000000

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Issuer POS Purchase 0 0.00 0.000000 0.000000 0.000000 0.000000 0.000000

Issuer POS Refund 0 0.00 0.000000 0.000000 0.000000 0.000000 0.000000

Issuer POS Subtotal 0 0.00 0.000000 0.000000 0.000000 0.000000 0.000000

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Issuer E Commerce Purchase 0 0.00 0.000000 0.000000 0.000000 0.000000 0.000000

Issuer E Commerce Refund 0 0.00 0.000000 0.000000 0.000000 0.000000 0.000000

Issuer E Commerce Subtotal 0 0.00 0.000000 0.000000 0.000000 0.000000 0.000000

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Issuer Installment Purchase 0 0.00 0.000000 0.000000 0.000000 0.000000 0.000000

Issuer Installment Purchase Subtotal 0 0.00 0.000000 0.000000 0.000000 0.000000 0.000000

UPI Confidential 88
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-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Issuer E-cash Loading 0 0.00 0.000000 0.000000 0.000000 0.000000 0.000000

Issuer Designated Account Loading 0 0.00 0.000000 0.000000 0.000000 0.000000 0.000000

Issuer Offline Purchase 0 0.00 0.000000 0.000000 0.000000 0.000000 0.000000

Issuer Offline Refund 0 0.00 0.000000 0.000000 0.000000 0.000000 0.000000

Issuer E-Cash Subtotal 0 0.00 0.000000 0.000000 0.000000 0.000000 0.000000

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Issuer Remittance 0 0.00 0.000000 0.000000 0.000000 0.000000 0.000000

Issuer Remittance Subtotal 0 0.00 0.000000 0.000000 0.000000 0.000000 0.000000

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Issuer MO/TO Purchase 0 0.00 0.000000 0.000000 0.000000 0.000000 0.000000

Issuer MO/TO Refund 0 0.00 0.000000 0.000000 0.000000 0.000000 0.000000

Issuer MO/TO Subtotal 0 0.00 0.000000 0.000000 0.000000 0.000000 0.000000

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Issuer Manual Cash 0 0.00 0.000000 0.000000 0.000000 0.000000 0.000000

Issuer Manual Cash Subtotal 0 0.00 0.000000 0.000000 0.000000 0.000000 0.000000

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Issuer Recurring Txn 0 0.00 0.000000 0.000000 0.000000 0.000000 0.000000

Issuer Recurring Txn Subtotal 0 0.00 0.000000 0.000000 0.000000 0.000000 0.000000

UPI Confidential 89
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-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Issuer Primary Credit Txn 0 0.00 0.000000 0.000000 0.000000 0.000000 0.000000

Issuer Primary Credit Subtotal 0 0.00 0.000000 0.000000 0.000000 0.000000 0.000000

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Issuer Account Funding Txn 0 0.00 0.000000 0.000000 0.000000 0.000000 0.000000

Issuer AFT Refund 0 0.00 0.000000 0.000000 0.000000 0.000000 0.000000

Issuer AFT Subtotal 0 0.00 0.000000 0.000000 0.000000 0.000000 0.000000

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Issuer Others 0 0.00 0.000000 0.000000 0.000000 0.000000 0.000000

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Issuer Non-dispute Txn Total 0 0.00 0.000000 0.000000 0.000000 0.000000 0.000000

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

D Acquirer ATM Cash Withdrawal 0 0.00 0.000000 0.000000 0.000000 0.000000 0.000000

D Acquirer ATM Inquiry 0 0.00 0.000000 0.000000 0.000000 0.000000 0.000000

D Acquirer ATM Subtotal 0 0.00 0.000000 0.000000 0.000000 0.000000 0.000000

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

D Acquirer POS Purchase 0 0.00 0.000000 0.000000 0.000000 0.000000 0.000000

D Acquirer POS Refund 0 0.00 0.000000 0.000000 0.000000 0.000000 0.000000

D Acquirer POS Subtotal 0 0.00 0.000000 0.000000 0.000000 0.000000 0.000000

UPI Confidential 90
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-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

D Acquirer E Commerce Purchase 0 0.00 0.000000 0.000000 0.000000 0.000000 0.000000

D Acquirer E Commerce Refund 0 0.00 0.000000 0.000000 0.000000 0.000000 0.000000

D Acquirer E Commerce Subtotal 0 0.00 0.000000 0.000000 0.000000 0.000000 0.000000

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

D Acquirer Installment Purchase 0 0.00 0.000000 0.000000 0.000000 0.000000 0.000000

D Acquirer Installment Purchase Subtotal 0 0.00 0.000000 0.000000 0.000000 0.000000 0.000000

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

D Acquirer E-cash Loading 0 0.00 0.000000 0.000000 0.000000 0.000000 0.000000

D Acquirer Designated Account Loading 0 0.00 0.000000 0.000000 0.000000 0.000000 0.000000

D Acquirer Offline Purchase 0 0.00 0.000000 0.000000 0.000000 0.000000 0.000000

D Acquirer Offline Refund 0 0.00 0.000000 0.000000 0.000000 0.000000 0.000000

D Acquirer E-Cash Subtotal 0 0.00 0.000000 0.000000 0.000000 0.000000 0.000000

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

D Acquirer Remittance 0 0.00 0.000000 0.000000 0.000000 0.000000 0.000000

D Acquirer Remittance Subtotal 0 0.00 0.000000 0.000000 0.000000 0.000000 0.000000

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

D Acquirer MO/TO Purchase 0 0.00 0.000000 0.000000 0.000000 0.000000 0.000000

D Acquirer MO/TO Refund 0 0.00 0.000000 0.000000 0.000000 0.000000 0.000000

UPI Confidential 91
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D Acquirer MO/TO Subtotal 0 0.00 0.000000 0.000000 0.000000 0.000000 0.000000

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

D Acquirer Manual Cash 0 0.00 0.000000 0.000000 0.000000 0.000000 0.000000

D Acquirer Manual Cash Subtotal 0 0.00 0.000000 0.000000 0.000000 0.000000 0.000000

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

D Acquirer Recurring Txn 0 0.00 0.000000 0.000000 0.000000 0.000000 0.000000

D Acquirer Recurring Txn Subtotal 0 0.00 0.000000 0.000000 0.000000 0.000000 0.000000

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

D Acquirer Primary Credit Txn 0 0.00 0.000000 0.000000 0.000000 0.000000 0.000000

D Acquirer Primary Credit Subtotal 0 0.00 0.000000 0.000000 0.000000 0.000000 0.000000

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

D Acquirer Account Funding Txn 0 0.00 0.000000 0.000000 0.000000 0.000000 0.000000

D Acquirer AFT Refund 0 0.00 0.000000 0.000000 0.000000 0.000000 0.000000

D Acquirer AFT Subtotal 0 0.00 0.000000 0.000000 0.000000 0.000000 0.000000

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

D Acquirer Others 0 0.00 0.000000 0.000000 0.000000 0.000000 0.000000

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

D Acquirer Non-dispute Txn Total 0 0.00 0.000000 0.000000 0.000000 0.000000 0.000000

I Acquirer ATM Cash Withdrawal 0 0.00 0.000000 0.000000 0.000000 0.000000 0.000000

UPI Confidential 92
 Part VI: Annex

I Acquirer ATM Inquiry 0 0.00 0.000000 0.000000 0.000000 0.000000 0.000000

I Acquirer ATM Subtotal 0 0.00 0.000000 0.000000 0.000000 0.000000 0.000000

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

I Acquirer POS Purchase 0 0.00 0.000000 0.000000 0.000000 0.000000 0.000000

I Acquirer POS Refund 0 0.00 0.000000 0.000000 0.000000 0.000000 0.000000

I Acquirer POS Subtotal 0 0.00 0.000000 0.000000 0.000000 0.000000 0.000000

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

I Acquirer E Commerce Purchase 0 0.00 0.000000 0.000000 0.000000 0.000000 0.000000

I Acquirer E Commerce Refund 0 0.00 0.000000 0.000000 0.000000 0.000000 0.000000

I Acquirer E Commerce Subtotal 0 0.00 0.000000 0.000000 0.000000 0.000000 0.000000

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

I Acquirer Installment Purchase 0 0.00 0.000000 0.000000 0.000000 0.000000 0.000000

I Acquirer Installment Purchase Subtotal 0 0.00 0.000000 0.000000 0.000000 0.000000 0.000000

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

I Acquirer E-cash Loading 0 0.00 0.000000 0.000000 0.000000 0.000000 0.000000

I Acquirer Designated Account Loading 0 0.00 0.000000 0.000000 0.000000 0.000000 0.000000

I Acquirer Offline Purchase 0 0.00 0.000000 0.000000 0.000000 0.000000 0.000000

I Acquirer Offline Refund 0 0.00 0.000000 0.000000 0.000000 0.000000 0.000000

I Acquirer E-Cash Subtotal 0 0.00 0.000000 0.000000 0.000000 0.000000 0.000000

UPI Confidential 93
 Part VI: Annex

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

I Acquirer Remittance 0 0.00 0.000000 0.000000 0.000000 0.000000 0.000000

I Acquirer Remittance Subtotal 0 0.00 0.000000 0.000000 0.000000 0.000000 0.000000

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

I Acquirer MO/TO Purchase 0 0.00 0.000000 0.000000 0.000000 0.000000 0.000000

I Acquirer MO/TO Refund 0 0.00 0.000000 0.000000 0.000000 0.000000 0.000000

I Acquirer MO/TO Subtotal 0 0.00 0.000000 0.000000 0.000000 0.000000 0.000000

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

I Acquirer Manual Cash 0 0.00 0.000000 0.000000 0.000000 0.000000 0.000000

I Acquirer Manual Cash Subtotal 0 0.00 0.000000 0.000000 0.000000 0.000000 0.000000

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

I Acquirer Recurring Txn 0 0.00 0.000000 0.000000 0.000000 0.000000 0.000000

I Acquirer Recurring Txn Subtotal 0 0.00 0.000000 0.000000 0.000000 0.000000 0.000000

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

I Acquirer Primary Credit Txn 0 0.00 0.000000 0.000000 0.000000 0.000000 0.000000

I Acquirer Primary Credit Subtotal 0 0.00 0.000000 0.000000 0.000000 0.000000 0.000000

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

I Acquirer Account Funding Txn 0 0.00 0.000000 0.000000 0.000000 0.000000 0.000000

I Acquirer AFT Refund 0 0.00 0.000000 0.000000 0.000000 0.000000 0.000000

UPI Confidential 94
 Part VI: Annex

I Acquirer AFT Subtotal 0 0.00 0.000000 0.000000 0.000000 0.000000 0.000000

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

I Acquirer Others 0 0.00 0.000000 0.000000 0.000000 0.000000 0.000000

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

I Acquirer Non-dispute Txn Total 0 0.00 0.000000 0.000000 0.000000 0.000000 0.000000

Acquirer Non-dispute Txn Total 0 0.00 0.000000 0.000000 0.000000 0.000000 0.000000

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

All Non-dispute Txn Total 0 0.00 0.000000 0.000000 0.000000 0.000000 0.000000

=====================================================================================================================================================================================================

Report Code: C602-DZ-003

Report Name: UPI Institution Dispute Fee Report (Daily Report)

Report Date: YYYYMMDD

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Ins Role Transaction Type Settlement Count Transaction Amount Settlement Amount Reimbursement Fee Service Fee Additional Fee Net Settlement Amount

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Issuer ATM Credit Adjustment 0 0.00 0.000000 0.000000 0.000000 0.000000 0.000000

Issuer ATM Presentment 0 0.00 0.000000 0.000000 0.000000 0.000000 0.000000

Issuer ATM Chargeback 0 0.00 0.000000 0.000000 0.000000 0.000000 0.000000

Issuer ATM Dispute Subtotal 0 0.00 0.000000 0.000000 0.000000 0.000000 0.000000

UPI Confidential 95
 Part VI: Annex

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Issuer POS Credit Adjustment 0 0.00 0.000000 0.000000 0.000000 0.000000 0.000000

Issuer POS Presentment 0 0.00 0.000000 0.000000 0.000000 0.000000 0.000000

Issuer POS Chargeback 0 0.00 0.000000 0.000000 0.000000 0.000000 0.000000

Issuer POS Representment 0 0.00 0.000000 0.000000 0.000000 0.000000 0.000000

Issuer POS Second Chargeback 0 0.00 0.000000 0.000000 0.000000 0.000000 0.000000

Issuer POS Dispute Subtotal 0 0.00 0.000000 0.000000 0.000000 0.000000 0.000000

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Issuer E Commerce Credit Adjustment 0 0.00 0.000000 0.000000 0.000000 0.000000 0.000000

Issuer E Commerce Debit Adjustment 0 0.00 0.000000 0.000000 0.000000 0.000000 0.000000

Issuer E Commerce Chargeback 0 0.00 0.000000 0.000000 0.000000 0.000000 0.000000

Issuer E Commerce Representment 0 0.00 0.000000 0.000000 0.000000 0.000000 0.000000

Issuer E Commerce Second Chargeback 0 0.00 0.000000 0.000000 0.000000 0.000000 0.000000

Issuer E Commerce Dispute Subtotal 0 0.00 0.000000 0.000000 0.000000 0.000000 0.000000

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Issuer Installment Credit Adjustment 0 0.00 0.000000 0.000000 0.000000 0.000000 0.000000

Issuer Installment Presentment 0 0.00 0.000000 0.000000 0.000000 0.000000 0.000000

Issuer Installment Chargeback 0 0.00 0.000000 0.000000 0.000000 0.000000 0.000000

Issuer Installment Representment 0 0.00 0.000000 0.000000 0.000000 0.000000 0.000000

UPI Confidential 96
 Part VI: Annex

Issuer Installment Second Chargeback 0 0.00 0.000000 0.000000 0.000000 0.000000 0.000000

Issuer Installment Dispute Subtotal 0 0.00 0.000000 0.000000 0.000000 0.000000 0.000000

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Issuer E Cash Credit Adjustment 0 0.00 0.000000 0.000000 0.000000 0.000000 0.000000

Issuer E Cash Dispute Subtotal 0 0.00 0.000000 0.000000 0.000000 0.000000 0.000000

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Issuer Remittance Credit Adjustment 0 0.00 0.000000 0.000000 0.000000 0.000000 0.000000

Issuer Remittance Dispute Subtotal 0 0.00 0.000000 0.000000 0.000000 0.000000 0.000000

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Issuer MO/TO Credit Adjustment 0 0.00 0.000000 0.000000 0.000000 0.000000 0.000000

Issuer MO/TO Presentment 0 0.00 0.000000 0.000000 0.000000 0.000000 0.000000

Issuer MO/TO Chargeback 0 0.00 0.000000 0.000000 0.000000 0.000000 0.000000

Issuer MO/TO Representment 0 0.00 0.000000 0.000000 0.000000 0.000000 0.000000

Issuer MO/TO Second Chargeback 0 0.00 0.000000 0.000000 0.000000 0.000000 0.000000

Issuer MO/TO Dispute Subtotal 0 0.00 0.000000 0.000000 0.000000 0.000000 0.000000

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Issuer Manual Cash Credit Adjustment 0 0.00 0.000000 0.000000 0.000000 0.000000 0.000000

Issuer Manual Cash Debit Adjustment 0 0.00 0.000000 0.000000 0.000000 0.000000 0.000000

Issuer Manual Cash Chargeback 0 0.00 0.000000 0.000000 0.000000 0.000000 0.000000

UPI Confidential 97
 Part VI: Annex

Issuer Manual Cash Representment 0 0.00 0.000000 0.000000 0.000000 0.000000 0.000000

Issuer Manual Cash Dispute Subtotal 0 0.00 0.000000 0.000000 0.000000 0.000000 0.000000

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Issuer Recurring Credit Adjustment 0 0.00 0.000000 0.000000 0.000000 0.000000 0.000000

Issuer Recurring Debit Adjustment 0 0.00 0.000000 0.000000 0.000000 0.000000 0.000000

Issuer Recurring Chargeback 0 0.00 0.000000 0.000000 0.000000 0.000000 0.000000

Issuer Recurring Representment 0 0.00 0.000000 0.000000 0.000000 0.000000 0.000000

Issuer Recurring Second Chargeback 0 0.00 0.000000 0.000000 0.000000 0.000000 0.000000

Issuer Recurring Dispute Subtotal 0 0.00 0.000000 0.000000 0.000000 0.000000 0.000000

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Issuer Primary Credit Credit Adjustment 0 0.00 0.000000 0.000000 0.000000 0.000000 0.000000

Issuer Primary Credit Debit Adjustment 0 0.00 0.000000 0.000000 0.000000 0.000000 0.000000

Issuer Primary Credit Chargeback 0 0.00 0.000000 0.000000 0.000000 0.000000 0.000000

Issuer Primary Credit Dispute Subtotal 0 0.00 0.000000 0.000000 0.000000 0.000000 0.000000

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Issuer AFT Credit Adjustment 0 0.00 0.000000 0.000000 0.000000 0.000000 0.000000

Issuer AFT Dispute Subtotal 0 0.00 0.000000 0.000000 0.000000 0.000000 0.000000

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Issuer Special Adjustment 0 0.00 0.000000 0.000000 0.000000 0.000000 0.000000

UPI Confidential 98
 Part VI: Annex

Issuer Fee Collection/Funds Disbursement 0 0.00 0.000000 0.000000 0.000000 0.000000 0.000000

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Issuer Dispute Txn Total 0 0.00 0.000000 0.000000 0.000000 0.000000 0.000000

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Acquirer ATM Credit Adjustment 0 0.00 0.000000 0.000000 0.000000 0.000000 0.000000

Acquirer ATM Presentment 0 0.00 0.000000 0.000000 0.000000 0.000000 0.000000

Acquirer ATM Chargeback 0 0.00 0.000000 0.000000 0.000000 0.000000 0.000000

Acquirer ATM Dispute Subtotal 0 0.00 0.000000 0.000000 0.000000 0.000000 0.000000

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Acquirer POS Credit Adjustment 0 0.00 0.000000 0.000000 0.000000 0.000000 0.000000

Acquirer POS Presentment 0 0.00 0.000000 0.000000 0.000000 0.000000 0.000000

Acquirer POS Chargeback 0 0.00 0.000000 0.000000 0.000000 0.000000 0.000000

Acquirer POS Representment 0 0.00 0.000000 0.000000 0.000000 0.000000 0.000000

Acquirer POS Second Chargeback 0 0.00 0.000000 0.000000 0.000000 0.000000 0.000000

Acquirer POS Dispute Subtotal 0 0.00 0.000000 0.000000 0.000000 0.000000 0.000000

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Acquirer E Commerce Credit Adjustment 0 0.00 0.000000 0.000000 0.000000 0.000000 0.000000

Acquirer E Commerce Debit Adjustment 0 0.00 0.000000 0.000000 0.000000 0.000000 0.000000

Acquirer E Commerce Chargeback 0 0.00 0.000000 0.000000 0.000000 0.000000 0.000000

UPI Confidential 99
 Part VI: Annex

Acquirer E Commerce Representment 0 0.00 0.000000 0.000000 0.000000 0.000000 0.000000

Acquirer E Commerce Second Chargeback 0 0.00 0.000000 0.000000 0.000000 0.000000 0.000000

Acquirer E Commerce Dispute Subtotal 0 0.00 0.000000 0.000000 0.000000 0.000000 0.000000

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Acquirer Installment Credit Adjustment 0 0.00 0.000000 0.000000 0.000000 0.000000 0.000000

Acquirer Installment Presentment 0 0.00 0.000000 0.000000 0.000000 0.000000 0.000000

Acquirer Installment Chargeback 0 0.00 0.000000 0.000000 0.000000 0.000000 0.000000

Acquirer Installment Representment 0 0.00 0.000000 0.000000 0.000000 0.000000 0.000000

Acquirer Installment Second Chargeback 0 0.00 0.000000 0.000000 0.000000 0.000000 0.000000

Acquirer Installment Dispute Subtotal 0 0.00 0.000000 0.000000 0.000000 0.000000 0.000000

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Acquirer E Cash Credit Adjustment 0 0.00 0.000000 0.000000 0.000000 0.000000 0.000000

Acquirer E Cash Dispute Subtotal 0 0.00 0.000000 0.000000 0.000000 0.000000 0.000000

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Acquirer Remittance Credit Adjustment 0 0.00 0.000000 0.000000 0.000000 0.000000 0.000000

Acquirer Remittance Dispute Subtotal 0 0.00 0.000000 0.000000 0.000000 0.000000 0.000000

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Acquirer MO/TO Credit Adjustment 0 0.00 0.000000 0.000000 0.000000 0.000000 0.000000

Acquirer MO/TO Presentment 0 0.00 0.000000 0.000000 0.000000 0.000000 0.000000

UPI Confidential 100

 Part VI: Annex

Acquirer MO/TO Chargeback 0 0.00 0.000000 0.000000 0.000000 0.000000 0.000000

Acquirer MO/TO Representment 0 0.00 0.000000 0.000000 0.000000 0.000000 0.000000

Acquirer MO/TO Second Chargeback 0 0.00 0.000000 0.000000 0.000000 0.000000 0.000000

Acquirer MO/TO Dispute Subtotal 0 0.00 0.000000 0.000000 0.000000 0.000000 0.000000

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Acquirer Manual Cash Credit Adjustment 0 0.00 0.000000 0.000000 0.000000 0.000000 0.000000

Acquirer Manual Cash Debit Adjustment 0 0.00 0.000000 0.000000 0.000000 0.000000 0.000000

Acquirer Manual Cash Chargeback 0 0.00 0.000000 0.000000 0.000000 0.000000 0.000000

Acquirer Manual Cash Representment 0 0.00 0.000000 0.000000 0.000000 0.000000 0.000000

Acquirer Manual Cash Dispute Subtotal 0 0.00 0.000000 0.000000 0.000000 0.000000 0.000000

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Acquirer Recurring Credit Adjustment 0 0.00 0.000000 0.000000 0.000000 0.000000 0.000000

Acquirer Recurring Debit Adjustment 0 0.00 0.000000 0.000000 0.000000 0.000000 0.000000

Acquirer Recurring Chargeback 0 0.00 0.000000 0.000000 0.000000 0.000000 0.000000

Acquirer Recurring Representment 0 0.00 0.000000 0.000000 0.000000 0.000000 0.000000

Acquirer Recurring Second Chargeback 0 0.00 0.000000 0.000000 0.000000 0.000000 0.000000

Acquirer Recurring Dispute Subtotal 0 0.00 0.000000 0.000000 0.000000 0.000000 0.000000

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Acquirer Primary Credit Credit Adjustment 0 0.00 0.000000 0.000000 0.000000 0.000000 0.000000

UPI Confidential 101

 Part VI: Annex

Acquirer Primary Credit Debit Adjustment 0 0.00 0.000000 0.000000 0.000000 0.000000 0.000000

Acquirer Primary Credit Chargeback 0 0.00 0.000000 0.000000 0.000000 0.000000 0.000000

Acquirer Primary Credit Dispute Subtotal 0 0.00 0.000000 0.000000 0.000000 0.000000 0.000000

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Acquirer AFT Credit Adjustment 0 0.00 0.000000 0.000000 0.000000 0.000000 0.000000

Acquirer AFT Dispute Subtotal 0 0.00 0.000000 0.000000 0.000000 0.000000 0.000000

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Acquirer Special Adjustment 0 0.00 0.000000 0.000000 0.000000 0.000000 0.000000

Acquirer Fee Collection/Funds Disbursement 0 0.00 0.000000 0.000000 0.000000 0.000000 0.000000

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Acquirer Dispute Txn Total 0 0.00 0.000000 0.000000 0.000000 0.000000 0.000000

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

All Dispute Txn Total 0 0.00 0.000000 0.000000 0.000000 0.000000 0.000000

=====================================================================================================================================================================================================

C602-DZ-004

Report Code: C602-DZ-004

Report Name: UPI Institution Stand-in Fee Report (Daily Report)

UPI Confidential 102

 Part VI: Annex

Report Date: YYYYMMDD

Transaction Type Ins_Role Settlement Count Additional Fee

Fees of Stand-in Authorization Issuer 0 0.00

C.2 Institution Dispute Resolution Detail C605DZ Sample

The following report samples are examples of UPI Institution Dispute Resolution Detail C605-DZ<XXX> (Daily Report).

UPI

Institution Dispute Resolution Detail(Daily Report)

Settlement Date: YYYYMMDD

IIN: xxxxxxxx

Institution Name: xxxxxxxxxxx

Original Currency: XXX

Dispute Primary Orig Orig Dispute Amount Dispute

IIN of IIN of Stlm Account Trans Trans in Original Exchange Discount Merchant Merchant Dispute Reason

Acq Iss Date Number S.Num Date Currency Rate Amount Code Name Desc Code

[Acquirer]

UPI Confidential 103

 Part VI: Annex

XXXXXXXX XXXXXXXX YYYYMMDD XXXXXXXXXXXXXXXX XXXXXX XXXXXXXXXX -1020.00 1.0000000 12.24 XXXXXXXXXXXXXXX XXXXXXX XXX XXXXXXX XXXXXXXXXXXXXXX XXXX

XXXXXXXX XXXXXXXX YYYYMMDD XXXXXXXXXXXXXXXX XXXXXX XXXXXXXXXX -497.00 1.0000000 5.97 XXXXXXXXXXXXXXX XXXXXXX XXX XXXXXXX XXXXXXXXXXXXXXX XXXX

XXXXXXXX XXXXXXXX YYYYMMDD XXXXXXXXXXXXXXXX XXXXXX XXXXXXXXXX -467.00 1.0000000 5.61 XXXXXXXXXXXXXXX XXXXXXX XXX XXXXXXX XXXXXXXXXXXXXXX XXXX

Sub_total: XXXX.XX XXXX.XX

[Issuer]

Sub_total: XXXX.XX XXXX.XX

Total: XXXX.XX XXXX.XX

UPI Confidential 104

 Part VI: Annex

C.3 Institution (UPI POS) Merchant Net Settlement Report C606DZ Sample

The following report samples are examples of UPI Institution (UPI POS) Merchant Net Settlement Report C606-DZ<XXX> (Daily Report).

UPI Institution (UPI POS) Merchant Net Settlement Report

Report Date: 20171027 Report Code:C606-DZ <001>

Acquirer IIN: 25000344

Acquirer Institution Name: Test Acquirer

Settlement Date: 20171026

Settlement Currency: 344

Merchant ID Merchant Name Account Name Account No. Name of Beneficiary Transfer Amount

--------------------------------------------------------------------------------------------------------------------------------------------------------------------

XXXX3445311XXXX UNKNOWN UNKNOWN 57.05

XXXX3445311XXXX TEST TEST Payment Network 04125610334XXXX XXXXX XXXX Bank Ltd. 703.98

--------------------------------------------------------------------------------------------------------------------------------------------------------------------

Total 761.03

C.4 Institution (UPI POS) Merchant Reconciliation List C607DZ Sample

The following report samples are examples of UPI Institution (UPI POS) Merchant Reconciliation List C607-DZ<XXX> (Daily Report).
UPI Confidential 105
 Part VI: Annex

UPI Institution (UPI POS) Merchant Reconciliation List

Report Code: C607-DZ <001>

Report Date: 20171027

Merchant ID: 5000344531XXXXX

Account Name: TEST Payment Network

Account Number: 041256103344925

Name of Beneficiary Bank: TEST TEST Bank

Settlement Date: 20171026

Settlement Currency: 344 Transaction Currency: 344

Transaction Currency Settlement Currency

------------------------------------------------------- ------------------------------------------------------------------------------------------------------------

Type of Card Transaction Count Transaction Amount Transaction Amount Interchange Fee Net Settlement Amount

-------------------------------------------------------------------------------------------------------------------------------------------------------------------------

CUP HK Card 10 XXX.XX XXX.XX 0.00 XXX.XX

-------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Transaction Detail:

Card No. Transaction Amount Transanction Date and Time Authorization Number Voucher Number Merchant Discount Amount Term Number Referecne Number

-------------------------------------------------------------------------------------------------------------------------------------------------------------------------

UPI Confidential 106

 Part VI: Annex

62XXXXXXXXXXXXXX 11.00 1026085437 044994 0.00 00040002 1026750XXXXX

62XXXXXXXXXXXXXX 1.00 1026090322 045007 0.00 00040002 1026750XXXXX

62XXXXXXXXXXXXXX 1.00 1026090408 045009 0.00 00040002 1026750XXXXX

62XXXXXXXXXXXXXX 1.00 1026091514 045021 0.00 00040002 1026750XXXXX

62XXXXXXXXXXXXXX 33.33 1026092001 045029 0.00 00040002 1026251XXXXX

62XXXXXXXXXXXXXX 66.00 1026092013 045030 0.00 00040002 1026251XXXXX

62XXXXXXXXXXXXXX 1.00 1026092336 045034 0.00 00040002 1026750XXXXX

62XXXXXXXXXXXXXX 33.33 1026093053 045042 0.00 00040002 1026251XXXXX

62XXXXXXXXXXXXXX 11.00 1026093343 045045 0.00 00040007 1026251XXXXX

62XXXXXXXXXXXXXX 1.12 1026094355 045063 0.00 00040006 1026251XXXXX

C.5 Institution (Acquirer Side) Outgoing STF Processing Feedback C608DZ Sample

The following report samples are examples of Institution (Acquirer Side) Outgoing STF Processing Feedback C608DZ (Daily Report).

Report Code :C608-DZ UPI Institution (Acquirer) Outgoing STF Processing Feedback---Daily Report Date:20170822

========================================================================================================================================================

Institution Identification Number(or IIN) :25600344

Institution Name :CHINAPAY E-PAYMENT SERVICE(HONGKONG)CO.LIMITED

Transaction Settlement Date :20170821 Report Date : 20170822

UPI Confidential 107

 Part VI: Annex

Transaction Currency :978

________________________________________________________________________________________________________________________________________________________

Transaction Count Total Amount

Outgoing STF 9 +73.25

Net Settlement 3 -0.03

Rejected Transaction 6 +73.22

--------------------------------------------------------------------------------------------------------------------------------------------------------

Rejected Information:

Primary Account Number Reject Code Transaction Time Transaction Amount Authorization Number Merchant ID Terminal ID

62509420000123419 23 0821141130 0.01

62509420000123419 23 0821141130 0.01

6222023602899998344 42 0821144131 60.99

6222023602899998344 42 0821144131 12.19

62509420000123419 23 0821135930 0.01

62509420000123419 23 0821135930 0.01

Transaction Currency :UNKNOW

________________________________________________________________________________________________________________________________________________________

Transaction Count Total Amount

UPI Confidential 108

 Part VI: Annex

Outgoing STF 0 +0.00

Net Settlement 0 -0.00

Rejected Transaction 0 +0.00

C.6 Institution Settlement Reconciliation Report C612DZ sample

The following report samples are examples of UPI Institution Settlement Reconciliation Report C612DZ (Daily Report).

C612-DZ

Report Code: C612-DZ

Report Name: UPI Institution Settlement Reconciliation Report (Daily Report)

Report Date: YYYYMMDD

IIN: xxxxxxxx

Institution Name: xxxxxxxxxxxxxxxxxxxxx

Transaction Settlement Date: YYYYMMDD

Settlement Currency Acquirer Net Settlement Amount Issuer Net Settlement Amount All Net Settlement Amount

XXX -729181.80 0.00 -729181.80

XXX -729181.80 0.00 -729181.80

UPI Confidential 109

 Part VI: Annex

XXX -729181.80 0.00 -729181.80

C.7 Issuer Domestic and Cross-Border Transaction Settlement Report C614DZ Sample

The following report samples are examples of UPI Issuer Domestic and Cross-Border Transaction Settlement Report C614DZ.

Note: 1. The report sample shows all transaction types which may be present in the report. The transaction types listed in the report for each
Issuer may vary according to the transaction types that the Issuer actually supports.

2. Fee Collection/Disbursement transactions are not included in the report, as they cannot be categorized by BIN. Issuers may subscribe to
C602DZ report if they need to collect data of Fee Collection/Disbursement transactions.

=======================================================================================================================================================================================

IIN: XXXX0344

Institution Name: TEST(HKD)

Settlement Date: YYYYMMDD

PAN Length: 19

Bin: 62XXXX

Settlement Currency: 344

=======================================================================================================================================================================================

Report Code: C614-DZ-001

Report Name: UPI Issuer Domestic Transaction Settlement Report (Daily Report)

Report Date: YYYYMMDD

UPI Confidential 110

 Part VI: Annex

---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Institution Transaction Settlement Settlement Interchange Net Settlement

Role Type Count Amount Reimbursement Fee Service Fee Reserved Reserved Amount

---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Issuer ATM Cash Withdrawal 0 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000

Issuer ATM Inquiry 0 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000

Issuer ATM Subtotal 0 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000

---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Issuer POS Purchase 0 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000

Issuer POS Refund 0 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000

Issuer POS Subtotal 0 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000

---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Issuer E Commerce Purchase 0 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000

Issuer E Commerce Refund 0 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000

Issuer E Commerce Subtotal 0 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000

---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Issuer Installment Purchase 0 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000

Issuer Installment Purchase Subtotal 0 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000

---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

UPI Confidential 111

 Part VI: Annex

Issuer E-cash Loading 0 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000

Issuer Designated Account Loading 0 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000

Issuer Offline Purchase 0 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000

Issuer Offline Refund 0 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000

Issuer E-Cash Subtotal 0 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000

---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Issuer Remittance 0 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000

Issuer Remittance Subtotal 0 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000

---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Issuer MO/TO Purchase 0 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000

Issuer MO/TO Refund 0 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000

Issuer MO/TO Subtotal 0 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000

---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Issuer Manual Cash 0 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000

Issuer Manual Cash Subtotal 0 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000

---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Issuer Recurring Txn 0 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000

Issuer Recurring Txn Subtotal 0 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000

---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

UPI Confidential 112

 Part VI: Annex

Issuer Primary Credit Txn 0 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000

Issuer Primary Credit Subtotal 0 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000

---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Issuer Account Funding Txn 0 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000

Issuer AFT Refund 0 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000

Issuer AFT Subtotal 0 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000

---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Issuer Others 0 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000

---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Issuer Non-dispute Txn Total 0 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000

---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Issuer ATM Credit Adjustment 0 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000

Issuer ATM Presentment 0 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000

Issuer ATM Chargeback 0 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000

Issuer ATM Dispute Subtotal 0 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000

---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Issuer POS Credit Adjustment 0 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000

Issuer POS Presentment 0 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000

Issuer POS Chargeback 0 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000

UPI Confidential 113

 Part VI: Annex

Issuer POS Representment 0 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000

Issuer POS Second Chargeback 0 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000

Issuer POS Dispute Subtotal 0 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000

---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Issuer E Commerce Credit Adjustment 0 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000

Issuer E Commerce Debit Adjustment 0 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000

Issuer E Commerce Chargeback 0 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000

Issuer E Commerce Representment 0 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000

Issuer E Commerce Second Chargeback 0 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000

Issuer E Commerce Dispute Subtotal 0 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000

---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Issuer Installment Credit Adjustment 0 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000

Issuer Installment Presentment 0 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000

Issuer Installment Chargeback 0 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000

Issuer Installment Representment 0 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000

Issuer Installment Second Chargeback 0 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000

Issuer Installment Dispute Subtotal 0 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000

---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Issuer E Cash Credit Adjustment 0 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000

UPI Confidential 114

 Part VI: Annex

Issuer E Cash Dispute Subtotal 0 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000

---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Issuer Remittance Credit Adjustment 0 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000

Issuer Remittance Dispute Subtotal 0 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000

---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Issuer MO/TO Credit Adjustment 0 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000

Issuer MO/TO Presentment 0 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000

Issuer MO/TO Chargeback 0 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000

Issuer MO/TO Representment 0 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000

Issuer MO/TO Second Chargeback 0 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000

Issuer MO/TO Dispute Subtotal 0 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000

---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Issuer Manual Cash Credit Adjustment 0 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000

Issuer Manual Cash Debit Adjustment 0 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000

Issuer Manual Cash Chargeback 0 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000

Issuer Manual Cash Representment 0 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000

Issuer Manual Cash Dispute Subtotal 0 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000

---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Issuer Recurring Credit Adjustment 0 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000

UPI Confidential 115

 Part VI: Annex

Issuer Recurring Debit Adjustment 0 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000

Issuer Recurring Chargeback 0 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000

Issuer Recurring Representment 0 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000

Issuer Recurring Second Chargeback 0 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000

Issuer Recurring Dispute Subtotal 0 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000

---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Issuer Primary Credit Credit Adjustment 0 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000

Issuer Primary Credit Debit Adjustment 0 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000

Issuer Primary Credit Chargeback 0 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000

Issuer Primary Credit Dispute Subtotal 0 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000

---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Issuer AFT Credit Adjustment 0 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000

Issuer AFT Dispute Subtotal 0 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000

---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Issuer Special Adjustment 0 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000

---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Issuer Dispute Txn Total 0 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000

---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Issuer All Txn Total 0 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000

UPI Confidential 116

 Part VI: Annex

=======================================================================================================================================================================================

Report Code: C614-DZ-002

Report Name: UPI Issuer Cross-Border Transaction Settlement Report (Daily Report)

Report Date: 20170803

---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Institution Transaction Settlement Settlement Interchange International Cross-Border Net Settlement

Role Type Count Amount Reimbursement Fee Service Fee Transaction Fee Reserved Amount

---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Issuer ATM Cash Withdrawal 0 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000

Issuer ATM Inquiry 0 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000

Issuer ATM Subtotal 0 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000

---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Issuer POS Purchase 0 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000

Issuer POS Refund 0 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000

Issuer POS Subtotal 0 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000

---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Issuer E Commerce Purchase 0 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000

Issuer E Commerce Refund 0 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000

Issuer E Commerce Subtotal 0 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000

UPI Confidential 117

 Part VI: Annex

---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Issuer Installment Purchase 0 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000

Issuer Installment Purchase Subtotal 0 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000

---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Issuer E-cash Loading 0 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000

Issuer Designated Account Loading 0 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000

Issuer Offline Purchase 0 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000

Issuer Offline Refund 0 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000

Issuer E-Cash Subtotal 0 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000

---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Issuer Remittance 0 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000

Issuer Remittance Subtotal 0 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000

---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Issuer MO/TO Purchase 0 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000

Issuer MO/TO Refund 0 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000

Issuer MO/TO Subtotal 0 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000

---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Issuer Manual Cash 0 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000

Issuer Manual Cash Subtotal 0 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000

UPI Confidential 118

 Part VI: Annex

---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Issuer Recurring Txn 0 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000

Issuer Recurring Txn Subtotal 0 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000

---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Issuer Primary Credit Txn 0 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000

Issuer Primary Credit Subtotal 0 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000

---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Issuer Account Funding Txn 0 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000

Issuer AFT Refund 0 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000

Issuer AFT Subtotal 0 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000

---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Issuer Others 0 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000

---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Issuer Non-dispute Txn Total 0 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000

---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Issuer ATM Credit Adjustment 0 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000

Issuer ATM Presentment 0 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000

Issuer ATM Chargeback 0 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000

Issuer ATM Dispute Subtotal 0 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000

UPI Confidential 119

 Part VI: Annex

---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Issuer POS Credit Adjustment 0 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000

Issuer POS Presentment 2 200.000000 -2.200000 -0.200000 0.000000 0.000000 197.600000

Issuer POS Chargeback 0 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000

Issuer POS Representment 0 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000

Issuer POS Second Chargeback 0 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000

Issuer POS Dispute Subtotal 2 200.000000 -2.200000 -0.200000 0.000000 0.000000 197.600000

---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Issuer E Commerce Credit Adjustment 0 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000

Issuer E Commerce Debit Adjustment 0 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000

Issuer E Commerce Chargeback 0 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000

Issuer E Commerce Representment 0 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000

Issuer E Commerce Second Chargeback 0 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000

Issuer E Commerce Dispute Subtotal 0 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000

---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Issuer Installment Credit Adjustment 0 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000

Issuer Installment Presentment 0 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000

Issuer Installment Chargeback 0 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000

Issuer Installment Representment 0 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000

UPI Confidential 120

 Part VI: Annex

Issuer Installment Second Chargeback 0 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000

Issuer Installment Dispute Subtotal 0 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000

---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Issuer E Cash Credit Adjustment 0 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000

Issuer E Cash Dispute Subtotal 0 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000

---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Issuer Remittance Credit Adjustment 0 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000

Issuer Remittance Dispute Subtotal 0 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000

---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Issuer MO/TO Credit Adjustment 0 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000

Issuer MO/TO Presentment 0 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000

Issuer MO/TO Chargeback 0 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000

Issuer MO/TO Representment 0 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000

Issuer MO/TO Second Chargeback 0 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000

Issuer MO/TO Dispute Subtotal 0 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000

---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Issuer Manual Cash Credit Adjustment 0 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000

Issuer Manual Cash Debit Adjustment 0 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000

Issuer Manual Cash Chargeback 0 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000

UPI Confidential 121

 Part VI: Annex

Issuer Manual Cash Representment 0 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000

Issuer Manual Cash Dispute Subtotal 0 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000

---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Issuer Recurring Credit Adjustment 0 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000

Issuer Recurring Debit Adjustment 0 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000

Issuer Recurring Chargeback 0 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000

Issuer Recurring Representment 0 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000

Issuer Recurring Second Chargeback 0 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000

Issuer Recurring Dispute Subtotal 0 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000

---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Issuer Primary Credit Credit Adjustment 0 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000

Issuer Primary Credit Debit Adjustment 0 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000

Issuer Primary Credit Chargeback 0 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000

Issuer Primary Credit Dispute Subtotal 0 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000

---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Issuer AFT Credit Adjustment 0 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000

Issuer AFT Dispute Subtotal 0 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000

---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Issuer Special Adjustment 0 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000

UPI Confidential 122

 Part VI: Annex

---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Issuer Dispute Txn Total 2 200.000000 -2.200000 -0.200000 0.000000 0.000000 197.600000

---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Issuer All Txn Total 2 200.000000 -2.200000 -0.200000 0.000000 0.000000 197.600000

=======================================================================================================================================================================================

C.8 Acquirer Domestic and Cross-Border Transaction Settlement Report C615DZ Sample

The following report samples are examples of UPI Acquirer Domestic and Cross-Border Transaction Settlement Report 615DZ.

Note: 1. The report sample shows all transaction types which may be present in the report. The transaction types listed in the report for each
Acquirer may vary according to the transaction types that the Acquirer actually supports.

2. Fee Collection/Disbursement transactions are not included in the report, as they cannot be categorized by card types. Acquirers may subscribe
to C602DZ report if they need to collect data of Fee Collection/Disbursement transactions.

3. The judgment rules of card type (debit card, credit card or prepaid card) are consistent with those of BIN files, e.g. currently signature-based
debit cards and signature-based prepaid cards are categorized as credit cards in accordance with BIN files.

=======================================================================================================================================================================================

IIN: XXXX0344

Institution Name: TEST(HKD)

Settlement Date: YYYYMMDD

Settlement Currency: 156

=======================================================================================================================================================================================

UPI Confidential 123

 Part VI: Annex

Report Code: C615-DZ-001

Report Name: UPI Acquirer Credit Card Domestic Transaction Settlement Report (Daily Report)

Report Date: YYYYMMDD

---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Institution Transaction Settlement Settlement Interchange Net Settlement

Role Type Count Amount Reimbursement Fee Service Fee Reserved Reserved Amount

---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Acquirer ATM Cash Withdrawal 0 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000

Acquirer ATM Inquiry 0 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000

Acquirer ATM Subtotal 0 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000

---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Acquirer POS Purchase 0 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000

Acquirer POS Refund 0 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000

Acquirer POS Subtotal 0 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000

---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Acquirer E Commerce Purchase 0 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000

Acquirer E Commerce Refund 0 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000

Acquirer E Commerce Subtotal 0 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000

---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

UPI Confidential 124

 Part VI: Annex

Acquirer Installment Purchase 0 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000

Acquirer Installment Purchase Subtotal 0 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000

---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Acquirer E-cash Loading 0 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000

Acquirer Designated Account Loading 0 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000

Acquirer Offline Purchase 0 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000

Acquirer Offline Refund 0 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000

Acquirer E-Cash Subtotal 0 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000

---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Acquirer Remittance 0 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000

Acquirer Remittance Subtotal 0 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000

---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Acquirer MO/TO Purchase 0 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000

Acquirer MO/TO Refund 0 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000

Acquirer MO/TO Subtotal 0 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000

---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Acquirer Manual Cash 0 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000

Acquirer Manual Cash Subtotal 0 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000

---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

UPI Confidential 125

 Part VI: Annex

Acquirer Recurring Txn 0 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000

Acquirer Recurring Txn Subtotal 0 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000

---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Acquirer Primary Credit Txn 0 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000

Acquirer Primary Credit Subtotal 0 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000

---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Acquirer Account Funding Txn 0 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000

Acquirer AFT Refund 0 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000

Acquirer AFT Subtotal 0 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000

---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Acquirer Others 0 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000

---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Acquirer Non-dispute Txn Total 0 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000

---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Acquirer ATM Credit Adjustment 0 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000

Acquirer ATM Presentment 0 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000

Acquirer ATM Chargeback 0 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000

Acquirer ATM Dispute Subtotal 0 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000

---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

UPI Confidential 126

 Part VI: Annex

Acquirer POS Credit Adjustment 0 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000

Acquirer POS Presentment 0 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000

Acquirer POS Chargeback 0 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000

Acquirer POS Representment 0 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000

Acquirer POS Second Chargeback 0 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000

Acquirer POS Dispute Subtotal 0 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000

---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Acquirer E Commerce Credit Adjustment 0 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000

Acquirer E Commerce Debit Adjustment 0 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000

Acquirer E Commerce Chargeback 0 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000

Acquirer E Commerce Representment 0 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000

Acquirer E Commerce Second Chargeback 0 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000

Acquirer E Commerce Dispute Subtotal 0 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000

---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Acquirer Installment Credit Adjustment 0 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000

Acquirer Installment Presentment 0 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000

Acquirer Installment Chargeback 0 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000

Acquirer Installment Representment 0 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000

Acquirer Installment Second Chargeback 0 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000

UPI Confidential 127

 Part VI: Annex

Acquirer Installment Dispute Subtotal 0 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000

---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Acquirer E Cash Credit Adjustment 0 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000

Acquirer E Cash Dispute Subtotal 0 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000

---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Acquirer Remittance Credit Adjustment 0 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000

Acquirer Remittance Dispute Subtotal 0 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000

---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Acquirer MO/TO Credit Adjustment 0 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000

Acquirer MO/TO Presentment 0 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000

Acquirer MO/TO Chargeback 0 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000

Acquirer MO/TO Representment 0 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000

Acquirer MO/TO Second Chargeback 0 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000

Acquirer MO/TO Dispute Subtotal 0 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000

---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Acquirer Manual Cash Credit Adjustment 0 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000

Acquirer Manual Cash Debit Adjustment 0 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000

Acquirer Manual Cash Chargeback 0 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000

Acquirer Manual Cash Representment 0 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000

UPI Confidential 128

 Part VI: Annex

Acquirer Manual Cash Dispute Subtotal 0 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000

---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Acquirer Recurring Credit Adjustment 0 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000

Acquirer Recurring Debit Adjustment 0 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000

Acquirer Recurring Chargeback 0 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000

Acquirer Recurring Representment 0 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000

Acquirer Recurring Second Chargeback 0 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000

Acquirer Recurring Dispute Subtotal 0 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000

---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Acquirer Primary Credit Credit Adjustment 0 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000

Acquirer Primary Credit Debit Adjustment 0 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000

Acquirer Primary Credit Chargeback 0 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000

Acquirer Primary Credit Dispute Subtotal 0 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000

---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Acquirer AFT Credit Adjustment 0 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000

Acquirer AFT Dispute Subtotal 0 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000

---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Acquirer Special Adjustment 0 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000

---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

UPI Confidential 129

 Part VI: Annex

Acquirer Dispute Txn Total 0 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000

---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Acquirer Credit Card Domestic Txn Total 0 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000

=======================================================================================================================================================================================

Report Code: C615-DZ-002

Report Name: UPI Acquirer Credit Card Cross-Border Transaction Settlement Report (Daily Report)

Report Date: 20170803

---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Institution Transaction Settlement Settlement Interchange International Cross-Border Net Settlement

Role Type Count Amount Reimbursement Fee Service Fee Transaction Fee Reserved Amount

---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Acquirer ATM Cash Withdrawal 0 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000

Acquirer ATM Inquiry 0 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000

Acquirer ATM Subtotal 0 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000

---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Acquirer POS Purchase 0 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000

Acquirer POS Refund 0 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000

Acquirer POS Subtotal 0 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000

---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

UPI Confidential 130

 Part VI: Annex

Acquirer E Commerce Purchase 0 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000

Acquirer E Commerce Refund 0 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000

Acquirer E Commerce Subtotal 0 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000

---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Acquirer Installment Purchase 0 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000

Acquirer Installment Purchase Subtotal 0 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000

---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Acquirer E-cash Loading 0 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000

Acquirer Designated Account Loading 0 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000

Acquirer Offline Purchase 0 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000

Acquirer Offline Refund 0 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000

Acquirer E-Cash Subtotal 0 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000

---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Acquirer Remittance 0 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000

Acquirer Remittance Subtotal 0 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000

---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Acquirer MO/TO Purchase 0 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000

Acquirer MO/TO Refund 0 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000

Acquirer MO/TO Subtotal 0 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000

UPI Confidential 131

 Part VI: Annex

---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Acquirer Manual Cash 0 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000

Acquirer Manual Cash Subtotal 0 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000

---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Acquirer Recurring Txn 0 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000

Acquirer Recurring Txn Subtotal 0 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000

---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Acquirer Primary Credit Txn 0 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000

Acquirer Primary Credit Subtotal 0 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000

---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Acquirer Account Funding Txn 0 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000

Acquirer AFT Refund 0 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000

Acquirer AFT Subtotal 0 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000

---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Acquirer Others 0 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000

---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Acquirer Non-dispute Txn Total 0 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000

---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Acquirer ATM Credit Adjustment 0 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000

UPI Confidential 132

 Part VI: Annex

Acquirer ATM Presentment 0 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000

Acquirer ATM Chargeback 0 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000

Acquirer ATM Dispute Subtotal 0 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000

---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Acquirer POS Credit Adjustment 0 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000

Acquirer POS Presentment 0 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000

Acquirer POS Chargeback 0 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000

Acquirer POS Representment 0 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000

Acquirer POS Second Chargeback 0 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000

Acquirer POS Dispute Subtotal 0 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000

---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Acquirer E Commerce Credit Adjustment 0 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000

Acquirer E Commerce Debit Adjustment 0 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000

Acquirer E Commerce Chargeback 0 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000

Acquirer E Commerce Representment 0 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000

Acquirer E Commerce Second Chargeback 0 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000

Acquirer E Commerce Dispute Subtotal 0 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000

---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Acquirer Installment Credit Adjustment 0 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000

UPI Confidential 133

 Part VI: Annex

Acquirer Installment Presentment 0 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000

Acquirer Installment Chargeback 0 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000

Acquirer Installment Representment 0 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000

Acquirer Installment Second Chargeback 0 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000

Acquirer Installment Dispute Subtotal 0 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000

---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Acquirer E Cash Credit Adjustment 0 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000

Acquirer E Cash Dispute Subtotal 0 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000

---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Acquirer Remittance Credit Adjustment 0 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000

Acquirer Remittance Dispute Subtotal 0 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000

---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Acquirer MO/TO Credit Adjustment 0 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000

Acquirer MO/TO Presentment 0 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000

Acquirer MO/TO Chargeback 0 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000

Acquirer MO/TO Representment 0 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000

Acquirer MO/TO Second Chargeback 0 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000

Acquirer MO/TO Dispute Subtotal 0 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000

---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

UPI Confidential 134

 Part VI: Annex

Acquirer Manual Cash Credit Adjustment 0 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000

Acquirer Manual Cash Debit Adjustment 0 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000

Acquirer Manual Cash Chargeback 0 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000

Acquirer Manual Cash Representment 0 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000

Acquirer Manual Cash Dispute Subtotal 0 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000

---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Acquirer Recurring Credit Adjustment 0 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000

Acquirer Recurring Debit Adjustment 0 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000

Acquirer Recurring Chargeback 0 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000

Acquirer Recurring Representment 0 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000

Acquirer Recurring Second Chargeback 0 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000

Acquirer Recurring Dispute Subtotal 0 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000

---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Acquirer Primary Credit Credit Adjustment 0 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000

Acquirer Primary Credit Debit Adjustment 0 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000

Acquirer Primary Credit Chargeback 0 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000

Acquirer Primary Credit Dispute Subtotal 0 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000

---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Acquirer AFT Credit Adjustment 0 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000

UPI Confidential 135

 Part VI: Annex

Acquirer AFT Dispute Subtotal 0 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000

---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Acquirer Special Adjustment 0 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000

---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Acquirer Dispute Txn Total 0 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000

---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Acquirer Credit Card Cross-Border Txn Total 0 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000

=======================================================================================================================================================================================

Acquirer All Credit Card Txn Total 0 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000

=======================================================================================================================================================================================

Report Code: C615-DZ-003

Report Name: UPI Acquirer Debit Card Domestic Transaction Settlement Report (Daily Report)

Report Date: 20170803

---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Institution Transaction Settlement Settlement Interchange Net Settlement

Role Type Count Amount Reimbursement Fee Service Fee Reserved Reserved Amount

---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Acquirer ATM Cash Withdrawal 0 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000

Acquirer ATM Inquiry 0 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000

UPI Confidential 136

 Part VI: Annex

Acquirer ATM Subtotal 0 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000

---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Acquirer POS Purchase 0 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000

Acquirer POS Refund 0 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000

Acquirer POS Subtotal 0 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000

---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Acquirer E Commerce Purchase 0 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000

Acquirer E Commerce Refund 0 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000

Acquirer E Commerce Subtotal 0 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000

---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Acquirer Installment Purchase 0 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000

Acquirer Installment Purchase Subtotal 0 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000

---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Acquirer E-cash Loading 0 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000

Acquirer Designated Account Loading 0 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000

Acquirer Offline Purchase 0 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000

Acquirer Offline Refund 0 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000

Acquirer E-Cash Subtotal 0 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000

---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

UPI Confidential 137

 Part VI: Annex

Acquirer Remittance 0 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000

Acquirer Remittance Subtotal 0 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000

---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Acquirer MO/TO Purchase 0 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000

Acquirer MO/TO Refund 0 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000

Acquirer MO/TO Subtotal 0 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000

---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Acquirer Manual Cash 0 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000

Acquirer Manual Cash Subtotal 0 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000

---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Acquirer Recurring Txn 0 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000

Acquirer Recurring Txn Subtotal 0 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000

---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Acquirer Primary Credit Txn 0 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000

Acquirer Primary Credit Subtotal 0 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000

---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Acquirer Account Funding Txn 0 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000

Acquirer AFT Refund 0 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000

Acquirer AFT Subtotal 0 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000

UPI Confidential 138

 Part VI: Annex

---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Acquirer Others 0 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000

---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Acquirer Non-dispute Txn Total 0 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000

---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Acquirer ATM Credit Adjustment 0 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000

Acquirer ATM Presentment 0 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000

Acquirer ATM Chargeback 0 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000

Acquirer ATM Dispute Subtotal 0 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000

---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Acquirer POS Credit Adjustment 0 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000

Acquirer POS Presentment 0 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000

Acquirer POS Chargeback 0 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000

Acquirer POS Representment 0 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000

Acquirer POS Second Chargeback 0 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000

Acquirer POS Dispute Subtotal 0 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000

---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Acquirer E Commerce Credit Adjustment 0 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000

Acquirer E Commerce Debit Adjustment 0 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000

UPI Confidential 139

 Part VI: Annex

Acquirer E Commerce Chargeback 0 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000

Acquirer E Commerce Representment 0 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000

Acquirer E Commerce Second Chargeback 0 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000

Acquirer E Commerce Dispute Subtotal 0 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000

---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Acquirer Installment Credit Adjustment 0 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000

Acquirer Installment Presentment 0 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000

Acquirer Installment Chargeback 0 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000

Acquirer Installment Representment 0 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000

Acquirer Installment Second Chargeback 0 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000

Acquirer Installment Dispute Subtotal 0 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000

---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Acquirer E Cash Credit Adjustment 0 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000

Acquirer E Cash Dispute Subtotal 0 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000

---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Acquirer Remittance Credit Adjustment 0 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000

Acquirer Remittance Dispute Subtotal 0 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000

---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Acquirer MO/TO Credit Adjustment 0 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000

UPI Confidential 140

 Part VI: Annex

Acquirer MO/TO Presentment 0 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000

Acquirer MO/TO Chargeback 0 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000

Acquirer MO/TO Representment 0 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000

Acquirer MO/TO Second Chargeback 0 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000

Acquirer MO/TO Dispute Subtotal 0 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000

---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Acquirer Manual Cash Credit Adjustment 0 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000

Acquirer Manual Cash Debit Adjustment 0 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000

Acquirer Manual Cash Chargeback 0 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000

Acquirer Manual Cash Representment 0 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000

Acquirer Manual Cash Dispute Subtotal 0 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000

---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Acquirer Recurring Credit Adjustment 0 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000

Acquirer Recurring Debit Adjustment 0 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000

Acquirer Recurring Chargeback 0 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000

Acquirer Recurring Representment 0 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000

Acquirer Recurring Second Chargeback 0 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000

Acquirer Recurring Dispute Subtotal 0 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000

---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

UPI Confidential 141

 Part VI: Annex

Acquirer Primary Credit Credit Adjustment 0 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000

Acquirer Primary Credit Debit Adjustment 0 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000

Acquirer Primary Credit Chargeback 0 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000

Acquirer Primary Credit Dispute Subtotal 0 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000

---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Acquirer AFT Credit Adjustment 0 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000

Acquirer AFT Dispute Subtotal 0 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000

---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Acquirer Special Adjustment 0 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000

---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Acquirer Dispute Txn Total 0 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000

---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Acquirer Debit Card Domestic Txn Total 0 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000

=======================================================================================================================================================================================

Report Code: C615-DZ-004

Report Name: UPI Acquirer Debit Card Cross-Border Transaction Settlement Report (Daily Report)

Report Date: 20170803

---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Institution Transaction Settlement Settlement Interchange International Cross-Border Net Settlement

UPI Confidential 142

 Part VI: Annex

Role Type Count Amount Reimbursement Fee Service Fee Transaction Fee Reserved Amount

---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Acquirer ATM Cash Withdrawal 0 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000

Acquirer ATM Inquiry 0 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000

Acquirer ATM Subtotal 0 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000

---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Acquirer POS Purchase 0 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000

Acquirer POS Refund 0 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000

Acquirer POS Subtotal 0 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000

---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Acquirer E Commerce Purchase 0 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000

Acquirer E Commerce Refund 0 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000

Acquirer E Commerce Subtotal 0 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000

---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Acquirer Installment Purchase 0 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000

Acquirer Installment Purchase Subtotal 0 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000

---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Acquirer E-cash Loading 0 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000

Acquirer Designated Account Loading 0 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000

UPI Confidential 143

 Part VI: Annex

Acquirer Offline Purchase 0 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000

Acquirer Offline Refund 0 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000

Acquirer E-Cash Subtotal 0 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000

---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Acquirer Remittance 0 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000

Acquirer Remittance Subtotal 0 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000

---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Acquirer MO/TO Purchase 0 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000

Acquirer MO/TO Refund 0 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000

Acquirer MO/TO Subtotal 0 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000

---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Acquirer Manual Cash 0 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000

Acquirer Manual Cash Subtotal 0 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000

---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Acquirer Recurring Txn 0 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000

Acquirer Recurring Txn Subtotal 0 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000

---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Acquirer Primary Credit Txn 0 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000

Acquirer Primary Credit Subtotal 0 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000

UPI Confidential 144

 Part VI: Annex

---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Acquirer Account Funding Txn 0 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000

Acquirer AFT Refund 0 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000

Acquirer AFT Subtotal 0 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000

---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Acquirer Others 0 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000

---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Acquirer Non-dispute Txn Total 0 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000

---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Acquirer ATM Credit Adjustment 0 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000

Acquirer ATM Presentment 0 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000

Acquirer ATM Chargeback 0 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000

Acquirer ATM Dispute Subtotal 0 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000

---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Acquirer POS Credit Adjustment 0 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000

Acquirer POS Presentment 0 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000

Acquirer POS Chargeback 0 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000

Acquirer POS Representment 0 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000

Acquirer POS Second Chargeback 0 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000

UPI Confidential 145

 Part VI: Annex

Acquirer POS Dispute Subtotal 0 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000

---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Acquirer E Commerce Credit Adjustment 0 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000

Acquirer E Commerce Debit Adjustment 0 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000

Acquirer E Commerce Chargeback 0 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000

Acquirer E Commerce Representment 0 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000

Acquirer E Commerce Second Chargeback 0 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000

Acquirer E Commerce Dispute Subtotal 0 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000

---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Acquirer Installment Credit Adjustment 0 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000

Acquirer Installment Presentment 0 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000

Acquirer Installment Chargeback 0 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000

Acquirer Installment Representment 0 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000

Acquirer Installment Second Chargeback 0 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000

Acquirer Installment Dispute Subtotal 0 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000

---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Acquirer E Cash Credit Adjustment 0 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000

Acquirer E Cash Dispute Subtotal 0 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000

---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

UPI Confidential 146

 Part VI: Annex

Acquirer Remittance Credit Adjustment 0 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000

Acquirer Remittance Dispute Subtotal 0 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000

---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Acquirer MO/TO Credit Adjustment 0 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000

Acquirer MO/TO Presentment 0 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000

Acquirer MO/TO Chargeback 0 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000

Acquirer MO/TO Representment 0 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000

Acquirer MO/TO Second Chargeback 0 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000

Acquirer MO/TO Dispute Subtotal 0 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000

---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Acquirer Manual Cash Credit Adjustment 0 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000

Acquirer Manual Cash Debit Adjustment 0 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000

Acquirer Manual Cash Chargeback 0 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000

Acquirer Manual Cash Representment 0 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000

Acquirer Manual Cash Dispute Subtotal 0 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000

---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Acquirer Recurring Credit Adjustment 0 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000

Acquirer Recurring Debit Adjustment 0 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000

Acquirer Recurring Chargeback 0 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000

UPI Confidential 147

 Part VI: Annex

Acquirer Recurring Representment 0 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000

Acquirer Recurring Second Chargeback 0 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000

Acquirer Recurring Dispute Subtotal 0 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000

---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Acquirer Primary Credit Credit Adjustment 0 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000

Acquirer Primary Credit Debit Adjustment 0 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000

Acquirer Primary Credit Chargeback 0 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000

Acquirer Primary Credit Dispute Subtotal 0 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000

---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Acquirer AFT Credit Adjustment 0 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000

Acquirer AFT Dispute Subtotal 0 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000

---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Acquirer Special Adjustment 0 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000

---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Acquirer Dispute Txn Total 0 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000

---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Acquirer Debit Card Cross-Border Txn Total 0 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000

=======================================================================================================================================================================================

Acquirer All Debit Card Txn Total 0 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000

UPI Confidential 148

 Part VI: Annex

=======================================================================================================================================================================================

Report Code: C615-DZ-005

Report Name: UPI Acquirer Prepaid Card Domestic Transaction Settlement Report (Daily Report)

Report Date: 20170803

---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Institution Transaction Settlement Settlement Interchange Net Settlement

Role Type Count Amount Reimbursement Fee Service Fee Reserved Reserved Amount

---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Acquirer ATM Cash Withdrawal 0 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000

Acquirer ATM Inquiry 0 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000

Acquirer ATM Subtotal 0 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000

---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Acquirer POS Purchase 0 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000

Acquirer POS Refund 0 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000

Acquirer POS Subtotal 0 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000

---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Acquirer E Commerce Purchase 0 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000

Acquirer E Commerce Refund 0 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000

Acquirer E Commerce Subtotal 0 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000

UPI Confidential 149

 Part VI: Annex

---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Acquirer Installment Purchase 0 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000

Acquirer Installment Purchase Subtotal 0 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000

---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Acquirer E-cash Loading 0 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000

Acquirer Designated Account Loading 0 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000

Acquirer Offline Purchase 0 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000

Acquirer Offline Refund 0 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000

Acquirer E-Cash Subtotal 0 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000

---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Acquirer Remittance 0 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000

Acquirer Remittance Subtotal 0 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000

---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Acquirer MO/TO Purchase 0 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000

Acquirer MO/TO Refund 0 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000

Acquirer MO/TO Subtotal 0 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000

---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Acquirer Manual Cash 0 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000

Acquirer Manual Cash Subtotal 0 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000

UPI Confidential 150

 Part VI: Annex

---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Acquirer Recurring Txn 0 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000

Acquirer Recurring Txn Subtotal 0 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000

---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Acquirer Primary Credit Txn 0 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000

Acquirer Primary Credit Subtotal 0 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000

---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Acquirer Account Funding Txn 0 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000

Acquirer AFT Refund 0 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000

Acquirer AFT Subtotal 0 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000

---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Acquirer Others 0 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000

---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Acquirer Non-dispute Txn Total 0 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000

---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Acquirer ATM Credit Adjustment 0 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000

Acquirer ATM Presentment 0 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000

Acquirer ATM Chargeback 0 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000

Acquirer ATM Dispute Subtotal 0 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000

UPI Confidential 151

 Part VI: Annex

---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Acquirer POS Credit Adjustment 0 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000

Acquirer POS Presentment 0 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000

Acquirer POS Chargeback 0 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000

Acquirer POS Representment 0 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000

Acquirer POS Second Chargeback 0 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000

Acquirer POS Dispute Subtotal 0 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000

---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Acquirer E Commerce Credit Adjustment 0 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000

Acquirer E Commerce Debit Adjustment 0 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000

Acquirer E Commerce Chargeback 0 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000

Acquirer E Commerce Representment 0 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000

Acquirer E Commerce Second Chargeback 0 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000

Acquirer E Commerce Dispute Subtotal 0 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000

---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Acquirer Installment Credit Adjustment 0 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000

Acquirer Installment Presentment 0 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000

Acquirer Installment Chargeback 0 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000

Acquirer Installment Representment 0 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000

UPI Confidential 152

 Part VI: Annex

Acquirer Installment Second Chargeback 0 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000

Acquirer Installment Dispute Subtotal 0 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000

---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Acquirer E Cash Credit Adjustment 0 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000

Acquirer E Cash Dispute Subtotal 0 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000

---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Acquirer Remittance Credit Adjustment 0 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000

Acquirer Remittance Dispute Subtotal 0 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000

---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Acquirer MO/TO Credit Adjustment 0 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000

Acquirer MO/TO Presentment 0 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000

Acquirer MO/TO Chargeback 0 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000

Acquirer MO/TO Representment 0 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000

Acquirer MO/TO Second Chargeback 0 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000

Acquirer MO/TO Dispute Subtotal 0 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000

---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Acquirer Manual Cash Credit Adjustment 0 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000

Acquirer Manual Cash Debit Adjustment 0 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000

Acquirer Manual Cash Chargeback 0 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000

UPI Confidential 153

 Part VI: Annex

Acquirer Manual Cash Representment 0 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000

Acquirer Manual Cash Dispute Subtotal 0 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000

---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Acquirer Recurring Credit Adjustment 0 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000

Acquirer Recurring Debit Adjustment 0 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000

Acquirer Recurring Chargeback 0 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000

Acquirer Recurring Representment 0 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000

Acquirer Recurring Second Chargeback 0 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000

Acquirer Recurring Dispute Subtotal 0 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000

---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Acquirer Primary Credit Credit Adjustment 0 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000

Acquirer Primary Credit Debit Adjustment 0 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000

Acquirer Primary Credit Chargeback 0 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000

Acquirer Primary Credit Dispute Subtotal 0 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000

---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Acquirer AFT Credit Adjustment 0 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000

Acquirer AFT Dispute Subtotal 0 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000

---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Acquirer Special Adjustment 0 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000

UPI Confidential 154

 Part VI: Annex

---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Acquirer Dispute Txn Total 0 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000

---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Acquirer Prepaid Card Domestic Txn Total 0 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000

=======================================================================================================================================================================================

Report Code: C615-DZ-006

Report Name: UPI Acquirer Prepaid Card Cross-Border Transaction Settlement Report (Daily Report)

Report Date: 20170803

---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Institution Transaction Settlement Settlement Interchange International Cross-Border Net Settlement

Role Type Count Amount Reimbursement Fee Service Fee Transaction Fee Reserved Amount

---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Acquirer ATM Cash Withdrawal 0 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000

Acquirer ATM Inquiry 0 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000

Acquirer ATM Subtotal 0 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000

---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Acquirer POS Purchase 0 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000

Acquirer POS Refund 0 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000

Acquirer POS Subtotal 0 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000

UPI Confidential 155

 Part VI: Annex

---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Acquirer E Commerce Purchase 0 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000

Acquirer E Commerce Refund 0 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000

Acquirer E Commerce Subtotal 0 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000

---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Acquirer Installment Purchase 0 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000

Acquirer Installment Purchase Subtotal 0 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000

---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Acquirer E-cash Loading 0 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000

Acquirer Designated Account Loading 0 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000

Acquirer Offline Purchase 0 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000

Acquirer Offline Refund 0 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000

Acquirer E-Cash Subtotal 0 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000

---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Acquirer Remittance 0 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000

Acquirer Remittance Subtotal 0 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000

---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Acquirer MO/TO Purchase 0 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000

Acquirer MO/TO Refund 0 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000

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Acquirer MO/TO Subtotal 0 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000

---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Acquirer Manual Cash 0 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000

Acquirer Manual Cash Subtotal 0 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000

---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Acquirer Recurring Txn 0 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000

Acquirer Recurring Txn Subtotal 0 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000

---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Acquirer Primary Credit Txn 0 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000

Acquirer Primary Credit Subtotal 0 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000

---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Acquirer Account Funding Txn 0 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000

Acquirer AFT Refund 0 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000

Acquirer AFT Subtotal 0 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000

---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Acquirer Others 0 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000

---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Acquirer Non-dispute Txn Total 0 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000

---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

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 Part VI: Annex

Acquirer ATM Credit Adjustment 0 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000

Acquirer ATM Presentment 0 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000

Acquirer ATM Chargeback 0 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000

Acquirer ATM Dispute Subtotal 0 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000

---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Acquirer POS Credit Adjustment 0 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000

Acquirer POS Presentment 0 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000

Acquirer POS Chargeback 0 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000

Acquirer POS Representment 0 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000

Acquirer POS Second Chargeback 0 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000

Acquirer POS Dispute Subtotal 0 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000

---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Acquirer E Commerce Credit Adjustment 0 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000

Acquirer E Commerce Debit Adjustment 0 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000

Acquirer E Commerce Chargeback 0 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000

Acquirer E Commerce Representment 0 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000

Acquirer E Commerce Second Chargeback 0 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000

Acquirer E Commerce Dispute Subtotal 0 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000

---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

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Acquirer Installment Credit Adjustment 0 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000

Acquirer Installment Presentment 0 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000

Acquirer Installment Chargeback 0 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000

Acquirer Installment Representment 0 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000

Acquirer Installment Second Chargeback 0 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000

Acquirer Installment Dispute Subtotal 0 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000

---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Acquirer E Cash Credit Adjustment 0 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000

Acquirer E Cash Dispute Subtotal 0 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000

---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Acquirer Remittance Credit Adjustment 0 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000

Acquirer Remittance Dispute Subtotal 0 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000

---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Acquirer MO/TO Credit Adjustment 0 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000

Acquirer MO/TO Presentment 0 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000

Acquirer MO/TO Chargeback 0 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000

Acquirer MO/TO Representment 0 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000

Acquirer MO/TO Second Chargeback 0 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000

Acquirer MO/TO Dispute Subtotal 0 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000

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---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Acquirer Manual Cash Credit Adjustment 0 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000

Acquirer Manual Cash Debit Adjustment 0 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000

Acquirer Manual Cash Chargeback 0 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000

Acquirer Manual Cash Representment 0 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000

Acquirer Manual Cash Dispute Subtotal 0 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000

---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Acquirer Recurring Credit Adjustment 0 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000

Acquirer Recurring Debit Adjustment 0 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000

Acquirer Recurring Chargeback 0 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000

Acquirer Recurring Representment 0 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000

Acquirer Recurring Second Chargeback 0 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000

Acquirer Recurring Dispute Subtotal 0 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000

---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Acquirer Primary Credit Credit Adjustment 0 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000

Acquirer Primary Credit Debit Adjustment 0 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000

Acquirer Primary Credit Chargeback 0 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000

Acquirer Primary Credit Dispute Subtotal 0 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000

---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

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Acquirer AFT Credit Adjustment 0 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000

Acquirer AFT Dispute Subtotal 0 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000

---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Acquirer Special Adjustment 0 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000

---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Acquirer Dispute Txn Total 0 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000

---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Acquirer Prepaid Card Cross-Border Txn Total 0 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000

=======================================================================================================================================================================================

Acquirer All Prepaid Card Txn Total 0 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000

=======================================================================================================================================================================================

Acquirer All Txn Total 0 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000

=======================================================================================================================================================================================

C.9 Institution (Acquirer) Outgoing Unsettled transactions Reminding (Over 20 days till 29 days) Report C616DZ sample

The following report samples are examples of UPI Institution (Acquirer) Outgoing Unsettled transactions Reminding (Over 20 days till 29 days)
Report C616DZ.
Report Code :C616-DZ UPI Institution (Acquirer) Outgoing Unsettled transactions Reminding(Over 20 days till 29 days)---Daily Report Date:20161030

========================================================================================================================================================================================================================================================

Institution Identification Number(or IIN): 12345678

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Institution Name : Sample Institution

Report Date: 20161030

Original Authorization Period: 20161002-20161002

========================================================================================================================================================================================================================================================

Original Authorization Date Acquirer IIN Sender IIN Transaction Time Trace Number Primary Account Number Transaction Amount Transaction Currency Settlement Amount Settlement Currency Merchant ID Term ID

--------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

20161002 12345678 12345678 1850009654 110646 6200000000000000 200.00 156 200.00 344 000000000000000 00000000

20161002 12345678 12345678 2659458558 204832 6200000000000000 200.00 156 200.00 344 000000000000000 00000000

20161002 12345678 12345678 5597776196 331514 6200000000000000 200.00 156 200.00 840 000000000000000 00000000

20161002 12345678 12345678 7550471405 726386 6200000000000000 200.00 156 200.00 840 000000000000000 00000000

20161002 12345678 12345678 5726695495 047007 6200000000000000 200.00 344 200.00 840 000000000000000 00000000

20161002 12345678 12345678 9423930878 167953 6200000000000000 200.00 840 200.00 344 000000000000000 00000000

20161002 12345678 12345678 9763951244 258453 6200000000000000 200.00 840 200.00 344 000000000000000 00000000

20161002 12345678 12345678 7099267641 939575 6200000000000000 200.00 840 200.00 344 000000000000000 00000000

20161002 12345678 12345678 7519440990 494221 6200000000000000 200.00 840 200.00 840 000000000000000 00000000

20161002 12345678 12345678 7471118409 744025 6200000000000000 200.00 840 200.00 840 000000000000000 00000000

--------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Original Authorization Date Acquirer IIN Sender IIN Transaction Count Total Transaction Amount Transaction Currency Total Settlement Amount Settlement Currency

--------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

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20161002 12345678 12345678 2 400.00 156 400.00 344

20161002 12345678 12345678 2 400.00 156 400.00 840

20161002 12345678 12345678 1 200.00 344 200.00 840

20161002 12345678 12345678 3 600.00 840 600.00 344

20161002 12345678 12345678 2 400.00 840 400.00 840

========================================================================================================================================================================================================================================================

C.10 Tax Refund Report C802DZ sample

The following report samples are examples of Tax Refund Report C802DZ.

=====================================================================================================================================================================================================

IIN: XXXXXXXX

Institution Name: TEST BANK

Transaction Settlement Date: YYYYMMDD

Report Date: YYYYMMDD

Transaction Currency: 344

Settlement Currency: 344

=====================================================================================================================================================================================================

Report Code: C802-DZ

Report Name: Tax Refund Report (Daily Report)

Report Date: YYYYMMDD

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-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Ins Role Transaction Type Settlement Count Transaction Amount Settlement Amount Reimbursement Fee Service Fee Additional Fee Net Settlement Amount

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Issuer Refund Txn 0 0.00 0.000000 0.000000 0.000000 0.000000 0.000000

Issuer Primary Credit Txn 0 0.00 0.000000 0.000000 0.000000 0.000000 0.000000

Issuer Subtotal 0 0.00 0.000000 0.000000 0.000000 0.000000 0.000000

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Acquirer Refund Txn 0 0.00 0.000000 0.000000 0.000000 0.000000 0.000000

Acquirer Primary Credit Txn 0 0.00 0.000000 0.000000 0.000000 0.000000 0.000000

Acquirer Subtotal 0 0.00 0.000000 0.000000 0.000000 0.000000 0.000000

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

All Total 0 0.00 0.000000 0.000000 0.000000 0.000000 0.000000

=====================================================================================================================================================================================================

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Appendix D Magnetic Stripe Data Content and Specifications for Bankcard

In Appendix D, the magnetic stripe data format and usage specifications of UnionPay card
were described.

This appendix applies to all Magnetic Stripe Cards to be used in UPI network.

D.1 Track Information

D.1.1 Track 1

The maximum length for Track 1 is 79 characters. The sequence and length of data fields
should be pursuant to data format in Track 1 as listed in Table D.1.

Track 1 is read-only. The dynamic fields can be revised by switchers during the transaction
and the static fields can only be revised by Issuers.

Table D.1 Data Format in Track 1

Field
D=Dynamic Field
Remark
Sequence S=Static Length
Items
No.

‘%’, see Section D.2.1 Start

1 STX S 1
Sentinel (STX)

‘B’, see Section D.2.2

2 Format Code S 1
Format Code(FC)

See Section D.2.3 Primary

3 PAN S 13-19
Account Number (PAN)

‘^’, see Section D.2.4 Field

4 Field Separator S 1
Separator(FS)

See Section D.2.5

5 Name S 2-26
Name(NM)

‘^’, see Section D.2.4 Field

6 Field Separator S 1
Separator(FS)

YYMM, see Section D.2.6

7 Expiration Date S 4
Expiration Date(ED)

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Field
D=Dynamic Field
Remark
Sequence S=Static Length
Items
No.

See Section D.2.7 Service

8 Service Code S 3
Code (SC)

See Section D.2.8

9 Discretionary Data S Variable
Discretionary Data

‘?’, see Section D.2.9 End

10 ETX S 1
Sentinel(ETX)

see Section D.2.10

11 LRC S 1 Longitudinal Redundancy
Check(LRC)

D.1.2 Track 2

The maximum length for Track 2 is 40 characters. The sequence and length of data fields
should be pursuant to data format in Track 2 as listed in Table D.2.

Track 2 is read-only.

Table D.2 Data Format in Track 2

Field
D=Dynamic Field
Remark
Sequence S=Static Length
Items
No.

‘;’, see Section D.2.1 Start

1 STX S 1
Sentinel (STX)

See Section D.2.3 Primary

2 PAN S 13-19
Account Number (PAN)

‘=’, see Section D.2.4 Field

3 Field Separator S 1
Separator(FS)

4 Expiration Date S 4 YYMM, see Section D.2.6

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Field
D=Dynamic Field
Remark
Sequence S=Static Length
Items
No.

Expiration Date(ED)

See Section D.2.7 Service

5 Service Code S 3
Code (SC)

See Section D.2.8

6 Discretionary Data S Variable
Discretionary Data

‘?’, see Section D.2.9 End

7 ETX S 1
Sentinel(ETX)

8 LRC S 1 ISO 7811-2

D.2 Field Definition

D.2.1 Start Sentinel (STX)

Purpose: To mark the start of data;

Format: 1-bit character;

Content: ‘%’ for Track 1. ‘;’ for Track 2 and Track 3.

D.2.2 Format Code(FC)

Purpose: To mark the types of data format contained in the track;

Format: 1-bit character for Track 1. 2-digit number for Track 3;

Content: ‘B’ for Track 1. ‘99’ for Track 3.

D.2.3 Primary Account Number (PAN)

Purpose: To mark the Cardholder and the Issuer able to process the transaction;

Format: Composed of numbers of 13-19 digits;

D.2.4 Field Separator(FS)

Purpose: To mark the end of previous field;

Format: 1-bit character;

Content: ‘∧’ for Track 1. ‘=’ for Track 2 and Track 3.

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D.2.5 Name(NM)

Purpose: To mark the surname, given name and appellation of Cardholder;

Format: Composed of 2-26 characters.

Content: Composed of surname, surname separator, given name or initials, separator (if
necessary), middle name or initials, full stop (if followed by title) and title.

The minimum coding data should be a letter character (i.e. name) plus a name separator.

D.2.6 Expiration Date(ED)

Purpose: To mark the date of card expiration;

Format: A 4-digit number in the format of YYMM, of which:

YY—To mark the last two digits of the year when the card expires;

MM—To mark the sequence number of month in the year. It is prescribed that a card expires
after the last day of that month.

D.2.7 Service Code (SC)

Purpose: To indicate the available service type for bankcard.

Format: A 3-digit number.

D.2.7.1 The First Digit

0----Reserved

1----International used

2----International used, and indicates that the card contains an integrated circuit and that the
financial transaction should be processed from the integrated circuit, if feasible.

3----Reserved

4----Reserved

5----National used

6----National used, and indicates that the card contains an integrated circuit and that the
financial transaction should be processed from the integrated circuit, if feasible.

7----Private, and not available for general interchange

8----Reserved

9----Test

D.2.7.1 The Second Digit

0----Common authorization
UPI Confidential 168
 Part VI: Annex

1----Reserved

2----Requires that transactions are processed online and approved by the Issuer or the Issuer’s
processing agent.

3----Reserved

4----Requires that transactions are processed online and approved by the Issuer or the Issuer’s
processing agent, unless explicit bilateral agreement applies.

5----Reserved

6----Reserved

7----Reserved

8----Reserved

9----Reserved

 The Third Digit

0----No restrictions for range of service, and PIN entry required

1----No restrictions for range of service

2----Goods and services only

3---- ATM only, and PIN entry required

4----Cash only

5----Goods and services only, and PIN entry required

6----No restrictions for range of service, and prompt for PIN entry if PIN pad present

7-----Goods and services only, and prompt for PIN entry if PIN pad present.

8-----Reserved

9-----Reserved

D.2.8 Discretionary Data

Purpose: To store CVN and any other data useful for the Issuer;

Format: Variable length, but should ensure the total characters contained in the track shall not
exceed the maximum length;

Content: CVN (please see Appendix A for its algorithm), its position and other data is decided
by the Issuer.

D.2.9 End Sentinel(ETX)

Purpose: To mark the end of data contained in the track;

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 Part VI: Annex

Format: 1-bit character;

Content: “?”.

D.2.10 Longitudinal Redundancy Check(LRC)

Purpose/ Content: See ISO 7811-2;

Format: 1-bit character.

D.3 Data Content of Track 3

The maximum length for data in Track 3 is 107 characters. The sequence and length of data
fields should be pursuant to data format of Track 3 as listed in Table D.3.

Track 3 is read-only.

D.3.1 Data Format in Track 3

Table D.3 Data Format in Track 3

Field
D=Dynamic
Field Length Remark
S=Static
Sequence No. Items

‘;’, see Section D.2.1 Start

1 STX S 1
Sentinel (STX)

‘99’, See Section D.2.2 Format

2 Format Code S 2
Code(FC)

See Section D.2.3 Primary

3 PAN S 13-19
Account Number (PAN)

‘=’, see Section D.2.4 Field

4 Field Separator S 1
Separator(FS)

‘156’, see Section D.3.2.1

5 Country Code S 3
Country Code, optional

See Section D.3.2.2 Currency

6 Currency Code S 3
Code

7 Sum Index S 1 See Section D.3.2.3 Sum Index

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 Part VI: Annex

Regulated at the discretion of

Periodic Authorization
8 S 4 Issuers, see Section D.3.2.4
Amount
Periodic Authorization Amount

see Section D.3.2.5 Current

9 Current Balance D 4
Balance

YDDD, see Section D.3.2.6

10 Starting Date of a Period D 4
Starting Date of a Period

See Section D.3.2.7 Length of a

11 Length of a Period S 2
Period

See Section D.3.2.8 Limit of PIN

12 Limit of PIN Entry D 1
Entry

Regulated at the discretion of

13 PIN PARM D 6
Issuers, see Section D.3.2.9

Switch Control See Section D.3.2.10 Switch

14 S 1
Character Control Character

See Section D.3.2.11 Types of

15 TA&SR for PAN S 2 Account (TA) and Service
Restriction (SR) for PAN

See Section D.3.2.12 Types of

Account (TA) and Service
16 TA&SR for SAN-1 S 2 Restriction (SR) for the First
Subsidiary Account Number
(SAN-1)

See Section D.3.2.13 Types of

Account (TA) and Service
17 TA&SR for SAN-2 S 2 Restriction (SR) for the Second
Subsidiary Account Number
(SAN-2)

YYMM, see Section D.2.6

18 Expiration Date S 4
Expiration Date(ED)

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 Part VI: Annex

See Section D.3.2.14 Card Serial

19 Card Serial No. S 1
Number

See Section D.3.2.15 Card

20 Card Security No. D 1
Security Number

See Section D.3.2.16 First

Maximum of
21 SAN-1 S Subsidiary Account Number
12
(SAN-1)

‘=’, see Section D.2.4 Field

22 Field Separator S 1
Separator(FS)

See Section D.3.2.17 Second

Maximum of
23 SAN-2 S Subsidiary Account Number
12
(SAN-2)

‘=’, see Section D.2.4 Field

24 Field Separator S 1
Separator(FS)

See Section D.3.2.18 Transfer

25 Transfer Flag S 1
Flag

Regulated at the discretion of

Issuers, see Section D.3.2.19
26 CCD S 6
Cryptographic Check
Digit(CCD）

See Section D.2.8 Discretionary

27 Discretionary Data D Flexible
Data

?’, see Section D.2.9 End

28 ETX S 1
Sentinel(ETX)

see Section D.2.10 Longitudinal

29 LRC D 1
Redundancy Check(LRC)

D.3.2 Field Definition

D.3.2.1 Country Code

Purpose: To mark the country where bankcard transactions can be processed.

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 Part VI: Annex

Format: 3-digit numbers;

D.3.2.2 Currency Code

Purpose: To mark the currency for Settlement;

Format: 3-digit numbers;

D.3.2.3 Sum Index

Purpose: The basis value in determining fields for Periodic Authorization Amount (see Section
D.3.2.4) and Current Balance (see Section D.3.2.5);

Format: 1 digit;

Content: The fields for Periodic Authorization Amount (see Section D.3.2.4) and Current
Balance (see Section D.3.2.5) must be multiplied by a power index of 10 in denoting the sum
in a currency.

D.3.2.4 Periodic Authorization Amount

Purpose: The limit of the accumulated sum of transactions in a period;

Format: 4 digits;
Content: Subject to Issuers.

D.3.2.5 Current Balance

Purpose: Currently available balance;

Format: 4 digits;

Content: At the beginning of a new period, this filed equals to Periodic Authorization Amount
(see Section D.3.2.4) and would be decrease successively with each purchase. The balance
will be stored in this field.

D.3.2.6 Starting Date of a Period

Purpose: To mark the date when a new period starts;

Format: 4 digits as YDDD where:

Y—the last valid digit of the year;

DDD—Sequence number of days within that year ranging from 001-366.

D.3.2.7 Length of a Period

Purpose: To mark the term of a period in which all accumulated sum of transactions should not
exceed the time limit set for the authorization amount;

Format: 2-digit numbers;

Content: 00—A card whose current balance cannot be reset but decreased
UPI Confidential 173
 Part VI: Annex

01～79—Remaining days of current period

80—Seven-day period

81—Fourteen-day period

82—Half-month period

83—One-month period

84—Three-month period

85—Six-month period

86—One-year period

87～99—Reserved

D.3.2.8 Limit of PIN Entry

Purpose: To record permitted times for incorrect PIN entry;

Format: 1-digit number;

Content: An initial value, which is defined by Issuers, will be assigned to this field when a
card is newly issued and correct PIN is input. This value will subtract 1 when incorrect PIN is
input.

D.3.2.9 PIN Control Parameter(PIN PARM）

Purpose: To provide a security option.

Format: 6-digit numbers;

Content: Cryptographic algorithms will be subject to Issuers.

D.3.2.10 Switch Control Character

Purpose: To mark the scope of applicable bankcard switch;

Format: 1-digit number;

Content: 0—Unlimited

1—For International use

2—Only for cross-system switch within a country

3—Only for cross-system switch within a province

4—Only for cross-system switch within a city

5—Only for switch within a national system

6—Only for switch within a provincial system

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 Part VI: Annex

7—Only for switch within a city’s system

8—Administrative Card, not applicable for switch

9— System Test Card

D.3.2.11 Types of Account (TA) and Service Restriction (SR) for PAN

Purpose: To define the account type and available services for PAN

Format: 2-digit numbers;

Content:

a. First digit—types of account

0—No coding in Track 3 for PAN

1—Savings/Settlement Account

2—Cash/Check Account

3—Credit Card Account

4—Normal Account for various types of accounts

5—Interest bearing Cash/Check Account

6～8—Reserved

9—Internal use for Issuers, not for switch

b. Second digit—service restriction

0—No restriction

1—Cash service not available

2—POS service not available

3—Cash/POS service not available

4—Positive Authorization required

5～7—Reserved

8～9—Internal Use for Issuers

D.3.2.12 Types of Account (TA) and Service Restriction (SR) for the First Subsidiary
Account Number (SAN-1)

Purpose: Same as the definition in Section D.3.2.11, but the content in this field relates to
account number included in SAN-1 (see Section D.3.2.16);

Format: 2-digit numbers;

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 Part VI: Annex

Content: Same as Section D.3.2.11.

D.3.2.13 Types of Account (TA) and Service Restriction (SR) for the Second Subsidiary
Account Number (SAN-2)

Purpose: Same as the definition in Section D.3.2.11, but the content in this field relates to
account number included in SAN-2 (see Section D.3.2.17);

Format: 2-digit numbers;

Content: Same as Section D.3.2.12.

D.3.2.14 Card Serial Number

Purpose: To differentiate from a card issued simultaneously or continuously with the same
PAN.

Format: 1-digit number;

Content: Defined by Issuers, and assigned to this field when a card is newly issued or replaced
due to expiration. This value will plus 1 when an additional or new card is issued.

D.3.2.15 Card Security Number

Purpose: To serve as a linkage between the data contained in the magnetic stripe and the
physical card;

Format: Field Separator (FS);

Content: FS—the card security number is not encoded in Track 3.

D.3.2.16 First Subsidiary Account Number (SAN-1)

Purpose: To mark available first subsidiary account number;

Format: Maximum 12 characters;

Content: Subject to Issuers. Length of 0 means the SAN-1 is not used.

D.3.2.17 Second Subsidiary Account Number (SAN-2)

Purpose: To mark available second subsidiary account number;

Format: Maximum 12 characters;

Content: Subject to Issuers. Length of 0 means SAN-2 is not used.

D.3.2.18 Transfer Flag

Purpose: To provide a function of shortening the length of switch information. This indicates
whether the switch information includes attached data.

Format: 1 character;

Content: 0—Including all Attached Data

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1—Excluding Attached Data

2～9—Invalid

D.3.2.19 Cryptographic Check Digit(CCD）

Purpose: To check the integrity of data stored in the track by the use of a cryptographic
formula.

Format: 6 characters;

Content: Encryption is defined at the discretion of Issuers.

D.4 Algorithms of CVN, CVN2 and iCVN

The same steps are used in the calculation of CVN, CVN2 and iCVN. The Calculation is
preceded as below:

Two 64-bit verification keys, Key A and Key B, are used in calculating CVN/CVN2/iCVN.

Data source for CVN calculation includes: PAN, expiration date and service code, which are
in an order from left to right.

Example: a 23-bit CVN data source, which is composed of a 16-bit PAN, a 4-bit expiration
date and a 3-bit service code.

Data source for CVN2 calculation includes: PAN, expiration date and constant number
000(used as equivalent of service code), which are in an order from left to right.

Data source for iCVN calculation includes: PAN, expiration date and constant number
999(used as equivalent of service code), which are in an order from left to right.

Expand the data source into a 128-bit binary data(add a binary 0 at right if less than 128-bit）

Divide the 128-bit binary data into two 64-bit data blocks. Regard the leftmost and the
rightmost 64-bit sections as Block 1, and Block 2.

Encrypt Block 1 with Key A.

Put the cipher of Block 1 through XOR with Block 2. Encrypt the result of XOR with Key A.

Decrypt the encrypted result with Key B.

Encrypt the decrypted result with Key A.

Pick up the numbers (from 0-9) in the encrypted result from left to right, and form a numeric
cluster.

Pick up the letters (from A-F) in the encrypted result from left to right, and deduct 10. Form a
numeric cluster with the remainder. Then put the numeric cluster right after the numbers
obtained in Step 8.

The 3-digit numbers in the first group from left in Step 9 is the value of CVN.

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Example:

PAN:6228 8888 8888 8888 Key A: 0123 4567 89AB CDEF

Expiration Date: 1010 Key B: FEDC BA98 7654 3210

Service Code: 101

Step 1: Data source is 6228 8888 8888 8888 1010 101

Step 2: Expanded as 6228 8888 8888 8888 1010 1010 0000 0000

Step 3: Block 1=6228 8888 8888 8888. Block 2=1010 1010 0000 0000

Step 4: Encrypt Block1 with Key A. The result is C573 6F43 9169 0290

Step 5: XOR the result with Block 2, and result is D563 7F53 9169 0290

Then encrypt with Key A, and result is 7D71 8A08 9D3E D5F9

Step 6: Decrypt the encrypted result with Key B.

The result is 6352 05BF 4B97 EFB1

Step 7: Encrypt with Key A. The result is 4A4A 421A D41C 0319

Step 8: Pick up the numbers from the result: 444 2141 0319

Step 9: Pick up the letter from the result: AAAD C

Then deduct 10 from the result: 00032

Then put it to the result in Step 8: 4442 1401 3190 0032

Step 10: The 3-digit number on the left is CVN=444.

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D.5 Algorithm of PVN

Issuers shall use maximum 16 128-bit PVN encryption/decryption key at most in different
types of cards. The index number is selected from 0~F, archived with keys in encryption
equipment. The calculation is as followed:

Select a bilateral-agreed 128-bit key. Regard the 64 bits from the left side as Key A; 64 bits
from the right side as Key B.

Select 11 digital numbers from the right side of the PAN, excluding parity bit; index number I
of Key and 4 digital numbers from the left side of PIN. Compose a 16-bit numeric string with
these materials. Each bit is presented by BCD and formed a 64-bit binary Block.

Encrypt the Block with Key A, resulting in Block 1.

Decrypt the Block 1 with Key B, resulting in Block 2.

Encrypt the Block 2 with Key A, resulting in Block 3.

Select all numbers (0~9) from left to right in Block 3.

Select all hexadecimal characters (A~F) from left to right in Block 3. Deduct a decimal 10
from each of the characters, which leads the characters into numbers.

Place the numbers resulted from step F and G in an order from left to right. The numbers from
step F are placed after those from step G.

The first four numbers in the result are PVN.

Example:

PAN in Main Account=6228 8888 8888 8888

Key=0123 4567 89AB CDEF FEDC BA98 7654 3210

Index number I=3

PIN=123456

Step 1:

Key A=123 4567 89AB CDEF

Key B=FEDC BA98 7654 3210

Step 2:

Block=888 8888 8888 3 1234 (Note: no space when practice)

Step 3:

Block1=DES (Encrypt, Block, Key A) = 573F 946B FDDE DCB3

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Step 4:

Block2=DES (Decrypt, Block1, Key B) = D502 CA5A D7ED CD34

Step 5:

Block3=DES (Encrypt, Block2, Key A) = CB51 EB69 7ABD CB1C

Step 6:

Selected numbers in Block3 = 51 6971

Step 7:

Select hexadecimal characters in Block3 (CB EBAB DCBC) and quantize the characters = 21
4101 3212

Step 8:

Group the results in step 6 and 7 = 5169 7121 4101 3212

Step9:

Select the first 4 numbers from step 8, PVN= 5169

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