DE003 Codes

The first two digits of DE003 (Mastercard) or Field 3 (Visa) contain the processing code. This code indicates the type of transaction. The remaining four places indicate the types of accounts involved (to and from).

Galileo exposes the processing code in several contexts. The raw contents of DE003 are available by request in the de003 field in some Authorization Events API webhook messages:

  • BAUT/AAAU: auth
  • DAUT: auth_denied
  • BEXP: auth_exp
  • PUMP: denied_auth_gas
  • NACT: denied_auth_inactive_card
  • IPIN: denied_auth_invalid_pin
  • BNSF: denied_auth_nsf
  • SUVA: single_use_invalid_amount
  • SUVM: single_use_secondary_transaction
  • In other contexts, Galileo transforms or translates the processing code:

    • Auth API — DE003 is translated into the user-friendly English descriptions in auth_type and transaction_type.
    • Events API — The processing code in auth_tran_type in the Authorization Event messages has been transformed as shown in this table.
    • RDFs — DE003 information is displayed in the RDFs as follows:
      • TRANSACTION CODE — Displays the first two digits of DE003 except for the transformations shown in this table.
      • OTC FLAG — DE003SF1 is 17 for Mastercard and for Visa it's 01 plus MCC 6010.
      • IS AFT TRANSACTIONVisa only. Is Y when Field 3.1 is 10.

    Positions 1–2

    Processing code. The descriptions show the general meaning of these codes. Each network might have its own specific use for a processing code, and not all networks use all of these codes. Consult the documentation from each network to see how the codes are used.

    CodeDescription
    00Goods/service purchase, POS transaction only
    01Withdrawal or cash advance
    02Debit adjustment
    09Purchase with cash back
    10Account-funding transaction
    11Quasi-cash
    13Address verification service for recurring billing
    14Recurring billing
    15Installment payment
    16Subscription
    17Cash disbursement
    18Card account verification
    20Purchase return or refund
    21Deposit
    22Credit adjustment
    23Check deposit guarantee
    26Money transfer
    28Payment transaction
    29Credit disbursement
    30Balance inquiry
    31Balance inquiry
    33Card or account verification
    34Account verification
    39Eligibility inquiry
    39Customer account inquiry
    40Account transfer
    50Bill payment or payment to third party
    53Network payment
    54Funds transfer debit
    55Payment from a third party or refund
    56Payment or funds transfer
    70Prepaid card load
    72PIN unblock (ATM)
    73PIN unblock
    90PIN change
    91PIN unblock
    92PIN change
    98PIN change
    99PIN unblock

    Positions 3–4 and 5–6

    Positions 3–4 are the sending account and positions 5–6 are the receiving account.

    CodeDescription
    00Default (FND)
    09Other (OTH)
    10Savings (SAV)
    20Checking (DDA)
    30Credit (CRD)

    auth_tran_type values

    This table shows how the value in DE003SF1 is transformed into the auth_tran_typevalue in the Authorization Events messages.

    DE003SF1DescriptionMC creditMC debitVisaDiscoverSTARAllpointPulse
    00Purchase5555555
    01Withdrawal or cash advance9999779
    02Debit adjustment555
    09Purchase with cash back55
    10Account-funding transaction55
    11Quasi-cash13
    17Cash disbursement4744
    18AVS8888
    20Purchase return or refund666666
    21Deposit66
    26Money transfer28
    28Payment transaction2828282828
    30Balance inquiry101010101010
    31Balance inquiry10101010
    40Account transfer1111111111
    50Bill payment or payment to third party50550
    54Funds transfer debit5
    56Payment or funds transfer6

    TRANSACTION CODE values

    This table shows how the value in DE003SF1 is transformed into the TRANSACTION CODE value in the Authorized Transactions RDF.

    DE003SF1DescriptionMC creditMC debitVisaDiscoverSTARAllpointPulse
    00Purchase5555555
    01Withdrawal or cash advance9799799
    02Debit adjustment5555
    09Purchase with cash back5
    10Account-funding transaction30
    11Quasi-cash1313
    17Cash disbursement7744
    18AVS88888
    20Purchase return or refund6666666
    21Deposit6
    26Money transfer26
    28Payment transaction2828282828
    30Balance inquiry101010101010
    31Balance inquiry101010
    40Account transfer1111
    50Bill payment or payment to third party5050

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