Citi · Schema

authorizationRequest

BankingFinancial ServicesOpen BankingPaymentsTreasuryISO 20022Commercial CardsForeign ExchangeCustodyTrade FinanceCorporate BankingAPI Gateway

Properties

Name Type Description
MessageTypeID string ISO 8583 Message Type Identifier. Defines the purpose of the message in the transaction lifecycle. | Value | Meaning | |-------|---------| | `0100` | Authorization Request | | `0120` | Authorization A
PrimaryAccountNumber string The cardholder's Primary Account Number (PAN) — the real card number. This is a sensitive field and must be handled in accordance with PCI-DSS requirements.
ProcessingCode string A 6-digit code that describes the type of transaction being performed and the accounts affected. `000000` represents a standard purchase transaction.
TransactionAmount string The transaction amount in the currency of the acquirer (`CurrencyCodeTransaction`). Expressed as a decimal string (e.g., `"15.06"` for $15.06).
BillingAmount string The amount billed to the cardholder in the cardholder's billing currency (`CurrencyCodeBilling`). May differ from `TransactionAmount` when a currency conversion is applied.
TransmissionDateAndTime string The date and time the message was transmitted, in `MMDDHHmmSS` format (Month, Day, Hour, Minute, Second).
SystemTraceAuditNumber string A unique 6-digit number assigned by the message initiator to identify a specific cardholder transaction. Used to correlate all message types (auth, advice, reversal) that belong to the same transactio
LocalTransactionTime string The local time at the point of transaction, in `HHmmSS` format (Hour, Minute, Second).
LocalTransactionDate string The local date at the point of transaction, in `MMDD` format (Month, Day).
CardExpiryDate string The card's expiration date in `YYMM` format (Year, Month).
MCCMerchantType string The Merchant Category Code (MCC) — a 4-digit code classifying the type of business the merchant operates. Defined by Visa/Mastercard specifications.
AcquirerCountryCode string The ISO 3166-1 numeric country code of the country where the acquiring institution is located (e.g., `702` for Singapore, `840` for USA).
POSEntryMode string Indicates the method used to capture the PAN and the PIN entry capability of the terminal. Composed of a PAN entry mode code and a PIN capability code.
POSConditionCode string **(Visa only)** A code identifying the transaction conditions at the point-of-sale. For Mastercard transactions, refer to the `MCF61` fields instead. May be empty for non-Visa transactions.
AcquirerInstitutionID string Identifies the acquiring institution (e.g., the merchant's bank) or its agent. Also known as the Bank Identification Number (BIN) of the acquirer.
RetrievalReferenceNumber string A 12-character reference number supplied by the acquiring system. Used to locate the original source document of the transaction and to correlate related messages (e.g., reversals).
CardAcceptorTerminalID string An 8-character identifier for the specific terminal at the card acceptor's location (e.g., a POS terminal ID).
CardAcceptorIDCode string The Merchant ID (MID) — a 15-character code that uniquely identifies the merchant in the transaction.
CardAcceptorNameLocation string The name and location of the card acceptor (merchant), padded to 40 characters. Typically formatted as ` `.
CurrencyCodeTransaction string The ISO 4217 numeric currency code for the transaction currency — the local currency at the point of sale (e.g., `702` for SGD, `840` for USD).
CurrencyCodeBilling string The ISO 4217 numeric currency code used to bill the cardholder's account. May differ from `CurrencyCodeTransaction` when a currency conversion is applied.
VisaF60TermEntCapab string **(Visa only)** Terminal Entry Capability — identifies the terminal's ability to electronically read account numbers and expiration dates from cards.
VisaF60ChipCondCode string **(Visa only)** Chip Condition Code — provides information about fallback transactions initiated from the magnetic stripe of a VSDC card at a VSDC terminal.
VisaF60SpclCondIndic string **(Visa only)** Special Condition Indicator — describes selected special conditions at the point-of-sale.
VisaF60ChipTxnIndic string **(Visa only)** Chip Transaction Indicator — set by full VSDC data acquirers when the terminal indicates a chip-based transaction.
VisaF60MoToECIndic string **(Visa only)** Mail Order / Telephone Order / E-Commerce Indicator. For MOTO transactions (field 25 = `08`), identifies the order type. For e-commerce transactions (field 25 = `59`), identifies the s
VisaF123VirtualCardNbr string **(Visa only)** The Visa Virtual Card Number (token). Present when the transaction is initiated using a tokenized card (e.g., via a digital wallet).
VisaF123WalletSPId string **(Visa only)** Token Requestor ID / Wallet Service Provider ID. Identifies the digital wallet or token requestor that initiated the transaction.
VisaF126RecurTxnIndic string **(Visa only)** Recurring Transaction Indicator. A value of `R` identifies this as a recurring transaction (e.g., a subscription).
MCF48VirtualCardNbr string **(Mastercard only)** The Mastercard Virtual Card Number (token). Present when the transaction is initiated using a tokenized card (e.g., via a digital wallet).
MCF48WalletSPId string **(Mastercard only)** Token / Wallet Service Provider ID. Identifies the digital wallet or token requestor that initiated the transaction.
MCF61POSTermAtt string **(Mastercard only)** POS Terminal Attendance — indicates whether the card acceptor is attending the terminal at the time of the transaction.
MCF61POSCHPresence string **(Mastercard only)** POS Cardholder Presence — indicates whether the cardholder is physically present at the point of service. A value of `4` indicates a recurring transaction.
MCF61POSCdPresence string **(Mastercard only)** POS Card Presence — indicates whether the physical card is present at the point of service.
MCF61POSTranStatus string **(Mastercard only)** POS Transaction Status — indicates the purpose or current status of the authorization request.
MCF61POSTranSec string **(Mastercard only)** POS Transaction Security — indicates the card acceptor's confidence level in the security of the transaction.
MCF61POSChActTermLvl string **(Mastercard only)** Cardholder-Activated Terminal Level — indicates the type of cardholder-activated terminal used to initiate the transaction (e.g., ATM, kiosk).
MCF61POSCountryCode string **(Mastercard only)** POS Country Code — the ISO 3166-1 numeric country code of the POS location (not the acquirer location).
View JSON Schema on GitHub

JSON Schema

citi-authorization-request-schema.json Raw ↑ 
{
  "$schema": "https://json-schema.org/draft/2020-12/schema",
  "$id": "https://raw.githubusercontent.com/api-evangelist/citi/main/json-schema/citi-authorization-request-schema.json",
  "title": "authorizationRequest",
  "x-generated": "2026-10-12",
  "x-method": "derived",
  "x-generator": "derive-json-schema.py",
  "x-source": "openapi/citi-authorization-api-openapi.yml#/components/schemas/authorizationRequest",
  "type": "object",
  "required": [
    "MessageTypeID",
    "PrimaryAccountNumber",
    "ProcessingCode",
    "TransactionAmount",
    "BillingAmount",
    "TransmissionDateAndTime",
    "SystemTraceAuditNumber",
    "LocalTransactionTime",
    "LocalTransactionDate",
    "CardExpiryDate",
    "MCCMerchantType",
    "AcquirerCountryCode",
    "POSEntryMode",
    "POSConditionCode",
    "AcquirerInstitutionID",
    "RetrievalReferenceNumber",
    "CardAcceptorTerminalID",
    "CardAcceptorIDCode",
    "CardAcceptorNameLocation",
    "CurrencyCodeTransaction",
    "CurrencyCodeBilling"
  ],
  "properties": {
    "MessageTypeID": {
      "type": "string",
      "minLength": 4,
      "maxLength": 4,
      "description": "ISO 8583 Message Type Identifier. Defines the purpose of the message in the transaction lifecycle.\n| Value | Meaning | |-------|---------| | `0100` | Authorization Request | | `0120` | Authorization Advice | | `0400` | Reversal Request | | `0420` | Reversal Advice |",
      "enum": [
        "0100",
        "0120",
        "0400",
        "0420"
      ]
    },
    "PrimaryAccountNumber": {
      "type": "string",
      "minLength": 19,
      "maxLength": 19,
      "description": "The cardholder's Primary Account Number (PAN) — the real card number. This is a sensitive field and must be handled in accordance with PCI-DSS requirements."
    },
    "ProcessingCode": {
      "type": "string",
      "minLength": 6,
      "maxLength": 6,
      "description": "A 6-digit code that describes the type of transaction being performed and the accounts affected. `000000` represents a standard purchase transaction."
    },
    "TransactionAmount": {
      "type": "string",
      "minLength": 1,
      "maxLength": 13,
      "description": "The transaction amount in the currency of the acquirer (`CurrencyCodeTransaction`). Expressed as a decimal string (e.g., `\"15.06\"` for $15.06)."
    },
    "BillingAmount": {
      "type": "string",
      "minLength": 1,
      "maxLength": 13,
      "description": "The amount billed to the cardholder in the cardholder's billing currency (`CurrencyCodeBilling`). May differ from `TransactionAmount` when a currency conversion is applied."
    },
    "TransmissionDateAndTime": {
      "type": "string",
      "minLength": 10,
      "maxLength": 10,
      "description": "The date and time the message was transmitted, in `MMDDHHmmSS` format (Month, Day, Hour, Minute, Second)."
    },
    "SystemTraceAuditNumber": {
      "type": "string",
      "minLength": 6,
      "maxLength": 6,
      "description": "A unique 6-digit number assigned by the message initiator to identify a specific cardholder transaction. Used to correlate all message types (auth, advice, reversal) that belong to the same transaction."
    },
    "LocalTransactionTime": {
      "type": "string",
      "minLength": 6,
      "maxLength": 6,
      "description": "The local time at the point of transaction, in `HHmmSS` format (Hour, Minute, Second)."
    },
    "LocalTransactionDate": {
      "type": "string",
      "minLength": 4,
      "maxLength": 4,
      "description": "The local date at the point of transaction, in `MMDD` format (Month, Day)."
    },
    "CardExpiryDate": {
      "type": "string",
      "minLength": 4,
      "maxLength": 4,
      "description": "The card's expiration date in `YYMM` format (Year, Month)."
    },
    "MCCMerchantType": {
      "type": "string",
      "minLength": 4,
      "maxLength": 4,
      "description": "The Merchant Category Code (MCC) — a 4-digit code classifying the type of business the merchant operates. Defined by Visa/Mastercard specifications."
    },
    "AcquirerCountryCode": {
      "type": "string",
      "minLength": 3,
      "maxLength": 3,
      "description": "The ISO 3166-1 numeric country code of the country where the acquiring institution is located (e.g., `702` for Singapore, `840` for USA)."
    },
    "POSEntryMode": {
      "type": "string",
      "minLength": 3,
      "maxLength": 4,
      "description": "Indicates the method used to capture the PAN and the PIN entry capability of the terminal. Composed of a PAN entry mode code and a PIN capability code."
    },
    "POSConditionCode": {
      "type": "string",
      "minLength": 0,
      "maxLength": 2,
      "description": "**(Visa only)** A code identifying the transaction conditions at the point-of-sale. For Mastercard transactions, refer to the `MCF61` fields instead. May be empty for non-Visa transactions."
    },
    "AcquirerInstitutionID": {
      "type": "string",
      "minLength": 6,
      "maxLength": 11,
      "description": "Identifies the acquiring institution (e.g., the merchant's bank) or its agent. Also known as the Bank Identification Number (BIN) of the acquirer."
    },
    "RetrievalReferenceNumber": {
      "type": "string",
      "minLength": 12,
      "maxLength": 12,
      "description": "A 12-character reference number supplied by the acquiring system. Used to locate the original source document of the transaction and to correlate related messages (e.g., reversals)."
    },
    "CardAcceptorTerminalID": {
      "type": "string",
      "minLength": 8,
      "maxLength": 8,
      "description": "An 8-character identifier for the specific terminal at the card acceptor's location (e.g., a POS terminal ID)."
    },
    "CardAcceptorIDCode": {
      "type": "string",
      "minLength": 15,
      "maxLength": 15,
      "description": "The Merchant ID (MID) — a 15-character code that uniquely identifies the merchant in the transaction."
    },
    "CardAcceptorNameLocation": {
      "type": "string",
      "minLength": 40,
      "maxLength": 40,
      "description": "The name and location of the card acceptor (merchant), padded to 40 characters. Typically formatted as `<MERCHANT NAME> <CITY> <COUNTRY CODE>`."
    },
    "CurrencyCodeTransaction": {
      "type": "string",
      "minLength": 3,
      "maxLength": 3,
      "description": "The ISO 4217 numeric currency code for the transaction currency — the local currency at the point of sale (e.g., `702` for SGD, `840` for USD)."
    },
    "CurrencyCodeBilling": {
      "type": "string",
      "minLength": 3,
      "maxLength": 3,
      "description": "The ISO 4217 numeric currency code used to bill the cardholder's account. May differ from `CurrencyCodeTransaction` when a currency conversion is applied."
    },
    "VisaF60TermEntCapab": {
      "type": "string",
      "minLength": 1,
      "maxLength": 1,
      "description": "**(Visa only)** Terminal Entry Capability — identifies the terminal's ability to electronically read account numbers and expiration dates from cards."
    },
    "VisaF60ChipCondCode": {
      "type": "string",
      "minLength": 1,
      "maxLength": 1,
      "description": "**(Visa only)** Chip Condition Code — provides information about fallback transactions initiated from the magnetic stripe of a VSDC card at a VSDC terminal."
    },
    "VisaF60SpclCondIndic": {
      "type": "string",
      "minLength": 1,
      "maxLength": 1,
      "description": "**(Visa only)** Special Condition Indicator — describes selected special conditions at the point-of-sale."
    },
    "VisaF60ChipTxnIndic": {
      "type": "string",
      "minLength": 1,
      "maxLength": 1,
      "description": "**(Visa only)** Chip Transaction Indicator — set by full VSDC data acquirers when the terminal indicates a chip-based transaction."
    },
    "VisaF60MoToECIndic": {
      "type": "string",
      "minLength": 2,
      "maxLength": 2,
      "description": "**(Visa only)** Mail Order / Telephone Order / E-Commerce Indicator. For MOTO transactions (field 25 = `08`), identifies the order type. For e-commerce transactions (field 25 = `59`), identifies the security level used."
    },
    "VisaF123VirtualCardNbr": {
      "type": "string",
      "minLength": 19,
      "maxLength": 19,
      "description": "**(Visa only)** The Visa Virtual Card Number (token). Present when the transaction is initiated using a tokenized card (e.g., via a digital wallet)."
    },
    "VisaF123WalletSPId": {
      "type": "string",
      "minLength": 11,
      "maxLength": 11,
      "description": "**(Visa only)** Token Requestor ID / Wallet Service Provider ID. Identifies the digital wallet or token requestor that initiated the transaction."
    },
    "VisaF126RecurTxnIndic": {
      "type": "string",
      "minLength": 1,
      "maxLength": 1,
      "description": "**(Visa only)** Recurring Transaction Indicator. A value of `R` identifies this as a recurring transaction (e.g., a subscription).",
      "enum": [
        "R"
      ]
    },
    "MCF48VirtualCardNbr": {
      "type": "string",
      "minLength": 19,
      "maxLength": 19,
      "description": "**(Mastercard only)** The Mastercard Virtual Card Number (token). Present when the transaction is initiated using a tokenized card (e.g., via a digital wallet)."
    },
    "MCF48WalletSPId": {
      "type": "string",
      "minLength": 11,
      "maxLength": 11,
      "description": "**(Mastercard only)** Token / Wallet Service Provider ID. Identifies the digital wallet or token requestor that initiated the transaction."
    },
    "MCF61POSTermAtt": {
      "type": "string",
      "minLength": 1,
      "maxLength": 1,
      "description": "**(Mastercard only)** POS Terminal Attendance — indicates whether the card acceptor is attending the terminal at the time of the transaction."
    },
    "MCF61POSCHPresence": {
      "type": "string",
      "minLength": 1,
      "maxLength": 1,
      "description": "**(Mastercard only)** POS Cardholder Presence — indicates whether the cardholder is physically present at the point of service. A value of `4` indicates a recurring transaction."
    },
    "MCF61POSCdPresence": {
      "type": "string",
      "minLength": 1,
      "maxLength": 1,
      "description": "**(Mastercard only)** POS Card Presence — indicates whether the physical card is present at the point of service."
    },
    "MCF61POSTranStatus": {
      "type": "string",
      "minLength": 1,
      "maxLength": 1,
      "description": "**(Mastercard only)** POS Transaction Status — indicates the purpose or current status of the authorization request."
    },
    "MCF61POSTranSec": {
      "type": "string",
      "minLength": 1,
      "maxLength": 1,
      "description": "**(Mastercard only)** POS Transaction Security — indicates the card acceptor's confidence level in the security of the transaction."
    },
    "MCF61POSChActTermLvl": {
      "type": "string",
      "minLength": 1,
      "maxLength": 1,
      "description": "**(Mastercard only)** Cardholder-Activated Terminal Level — indicates the type of cardholder-activated terminal used to initiate the transaction (e.g., ATM, kiosk)."
    },
    "MCF61POSCountryCode": {
      "type": "string",
      "minLength": 3,
      "maxLength": 3,
      "description": "**(Mastercard only)** POS Country Code — the ISO 3166-1 numeric country code of the POS location (not the acquirer location)."
    }
  }
}

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