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Processing codes

Processing codes identify financial operations on the Pismo platform. For example, 00 is a purchase, 01 is a withdrawal, and so on. Processing codes are defined at the organization level, and can be used for all organization programs and accounts. An organization is created with a number of standard processing codes automatically available to it.

Pismo configurations with manual and automatic behaviors for processing codes

For transactions, processing codes are mapped to transaction types to create transaction flows . For more information, refer to standard processing code to transaction type mapping.

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You can also use Pismo Control Center to view and create processing codes and transaction types, including reversals. For details, refer to Processing codes and transaction types.

For other domains, like balance configurations, flex controls, fees and rules, and rule models, processing codes are used to indicate what operations to apply controls or fees to.

To find processing codes assigned to your organization, call the List processing codes endpoint.

Processing codes are objects with the following key fields (not a complete list):

FieldTypeDescription
processing_codestring (2-6 chars)Processing code.
typeenumAUTHORIZATION —Transaction authorization
REVERSAL—Transaction reversal
balance_impactenum1 = credits (account credited).
0= no impact (no accounts impacted) Zero balance has no impact
-1= debits (account debited).
reversal_processing_codestring (2-6 chars)Processing code for cancellation. Used in transactions and accounting flow to post the correct entries related to cancellation.
partial_reversal_processing_codestring (2-6 chars)Processing code for partial reversal cancellation. Used in transactions and accounting flow to post the correct entries related to partial cancellation.
statusenumPENDING - missing required configurations
SUCCESS - required configurations done

As shown. each processing code has either an AUTHORIZATION or REVERSAL type.

Full and partial reversals of an authorization processing code can be either equal or different ones as per the business requirements. Only authorization processing codes should be passed to Pismo authorization systems (Payment methods, Network authorization, P2P).

During cancellation, the authorization system uses the original processing code to perform the cancellation, the opposite financial impact is then applied (reversing the operation at authorization level) and the reversal processing codes associated with the operation are used to define the transactions that should be posted along with any accounting entries that need to be done.

Standard processing codes

Processing codes can be either standard or custom. Standard processing codes are related to platform default operations like instant payments processing (Pix, UPI), credit cycle flow (interest accruals posting, taxes and fees), transaction banking (hold funds, release funds) and so on. Standard processing codes are available to all customers at organization creation time. Since all organizations use these processing codes, customizations are not allowed.

Network processing codes, used for processing Visa, Mastercard, RuPay, ELO, and other card networks, are also considered standard processing codes.

Standard authorization processing codes

KEY:

  • PC - Processing code
  • BI - Balance impact (1=credt, 0=no impact, -1=debit)

TAGS:

Tags apply only to AUTHORIZATION processing codes. You cannot add a tag to a reverse processing code, as it could be associated with more than one authorization processing code.

  • GLOBAL—Common to all customers and all locations.

  • BRAZIL—Brazilian market.

  • ARGENTINA —Argentinian market.

  • INDIA—Indian market.

  • NETWORK—Network (Visa, Mastercard, ELO, Rupay, and so on).

  • MASTERCARD—Mastercard network.

  • VISA—Visa network.

  • ELO—ELO network (Brazil).

  • RUPAY—RuPay network (India).

  • FPS—Faster Payments System (FPS)—Great Britain.

  • TECBAN— Tecnologia Bancária S.A (TECBAN)—Brazil.

  • UPI—Unified Payments Interface (UPI)— India.

  • PIX—Pagamentos Instantaneos (PIX) instant payments (Brazil).

  • TRANSACTION_BANKING—Transaction banking.

  • BNPL—Buy Now, Pay Later (BNPL) banking.

  • LENDING—Lending.

  • DEPRECATED —Do not use or consider anymore.


    PCDescriptionBITags
    00PURCHASE-1ELO
    GLOBAL
    MASTERCARD
    RUPAY
    VISA
    01NATIONAL WITHDRAWAL-1ELO
    GLOBAL
    MASTERCARD
    RUPAY
    VISA
    02DEBIT ADJUSTMENT-1GLOBAL
    MASTERCARD
    04INQUIRY AND SIMULATION0ELO
    GLOBAL
    09PURCHASE WITH CASH BACK-1GLOBAL
    MASTERCARD
    10NATIONAL ACCOUNT FUNDING TRANSACTION-1GLOBAL
    VISA
    11PURCHASE QUASI-CASH-1GLOBAL
    VISA
    14RECURRING PAYMENT-1ELO
    GLOBAL
    15INSTALLMENTS FOR GOODS AND SERVICES-1ELO
    GLOBAL
    17CASH DISBURSEMENT-1GLOBAL
    MASTERCARD
    18UNIQUE TRANSACTION/SCRIP ISSUE-1GLOBAL
    MASTERCARD
    20CREDIT VOUCHER1ELO
    GLOBAL
    MASTERCARD
    RUPAY
    VISA
    21DEPOSIT1GLOBAL
    MASTERCARD
    RUPAY
    22CREDIT ADJUSTMENT1GLOBAL
    MASTERCARD
    RUPAY
    23CHECK DEPOSIT GUARANTEE1GLOBAL
    MASTERCARD
    24CHECK DEPOSIT1GLOBAL
    MASTERCARD
    26NATIONAL ORIGINAL CREDIT TRANSACTION1GLOBAL
    MASTERCARD
    28PAYMENT TRANSACTION/MONEY LOAD1INDIA RUPAY
    29MONEY LOAD BY ACCOUNT OR CARD1INDIA
    RUPAY
    30BALANCE INQUIRY0ELO
    GLOBAL
    MASTERCARD
    VISA
    31BALANCE INQUIRY0ELO
    GLOBAL
    RUPAY
    39ELIGIBILITY INQUIRY0GLOBAL
    VISA
    40ACCOUNT TRANSFER-1GLOBAL
    MASTERCARD
    RUPAY
    VISA
    50BILL PAYMENT-1GLOBAL
    VISA
    53RECEIPT OF FUNDS1ELO
    GLOBAL
    70PIN CHANGE0GLOBAL
    VISA
    72PIN UNBLOCK0GLOBAL
    VISA
    91PIN UNBLOCK0GLOBAL
    MASTERCARD
    92PIN CHANGE0ELO
    GLOBAL
    98PIN CHANGE0ELO
    GLOBAL
    99PIN UNBLOCK0ELO
    GLOBAL
    01WZBWITHDRAWAL ZERO BALANCE0INDIA
    NETWORK
    003100INTERNATIONAL PURCHASE-1GLOBAL
    NETWORK
    003200INSTALLMENT PLAN-1ARGENTINA
    BRAZIL
    NETWORK
    003300CASH OUT WPAY-1GLOBAL
    NETWORK
    003400PLAN GOBIERNO/PLAN AHORA 12-1ARGENTINA
    NETWORK
    003410CC - MERCHANT INSTALLMENTS - CUOTA A CUOTA-1ARGENTINA
    NETWORK
    003420ACCELERATED PLANS (AC/AN)-1ARGENTINA
    NETWORK
    003500SERVICIOS DIGITALES INTERNACIONALES-1ARGENTINA
    NETWORK
    003600SERVICIOS DIGITALES NACIONALES-1ARGENTINA
    NETWORK
    003800INSTALLMENT WITHOUT INTEREST-1BRAZIL
    NETWORK
    003810INSTALLMENTS WITH INTEREST-1BRAZIL
    NETWORK
    004000PAYMENT1GLOBAL
    004990CREDIT BY INSTALLMENTS1GLOBAL
    004991REFINANCING AGREEMENT1GLOBAL
    004992COMPULSORY INSTALLMENT CREDIT1GLOBAL
    005091REFINANCING INSTALLMENT-1GLOBAL
    005092AGREEMENT INSTALLMENT-1GLOBAL
    005093COMPULSORY INSTALLMENT-1GLOBAL
    005100PAGAMENTO CONTA CONSUMO-1BRAZIL
    006100PAGAMENTO DE BOLETO BANCARIO-1BRAZIL
    007000DEBIT TRANSFER-1GLOBAL
    007200CREDIT TRANSFER1GLOBAL
    007400TED CASH IN1BRAZIL
    007503DEPOSIT BY BILL1BRAZIL
    007700DEBIT TRANSFER0GLOBAL
    008800PIX ON-US1BRAZIL
    NETWORK
    DEPRECATED
    008900PIX INSTALLMENTS ON-US-1BRAZIL
    NETWORK
    DEPRECATED
    009000PURCHASE ON-US-1BRAZIL
    NETWORK
    DEPRECATED
    009100CREDIT ADJUSTMENT1GLOBAL
    009200DEBIT ADJUSTMENT-1GLOBAL
    009595Saving To Available Credit (Maturity)-1GLOBAL
    009696Saving To Available Credit (Detach)-1GLOBAL
    009797INTEREST RATE CREDIT1GLOBAL
    009900INSTALLMENTS WITHOUT INTEREST ON-US-1BRAZIL
    NETWORK
    DEPRECATED
    010000TRANSFERENCIA SPB DEBITO-1BRAZIL
    010200TRANSFERENCIA SPB CREDITO1BRAZIL
    013100INTERNATIONAL WITHDRAWAL-1GLOBAL
    NETWORK
    013200WITHDRAWAL TECBAN-1BRAZIL
    NETWORK
    TECBAN
    022000DEBIT VOUCHER-1GLOBAL
    NETWORK
    110300DEBIT CHECKING ACCOUNT-1GLOBAL
    110303CREDIT CHECKING ACCOUNT1GLOBAL
    110400CREDIT SAVING ACCOUNT1GLOBAL
    110403DEBIT SAVING ACCOUNT-1GLOBAL
    203100PURCHASE RETURN INTER / CREDIT VOUCHER1GLOBAL
    NETWORK
    203300REFUND WPAY1GLOBAL
    NETWORK
    218819PAGAMENTO PIX-1BRAZIL
    PIX
    218822RECEBIMENTO PIX1BRAZIL
    PIX
    218825PAGAMENTO PIX PJ-1BRAZIL
    PIX
    219248HOLD FUNDS-1GLOBAL
    219251RELEASE FUNDS1GLOBAL
    219258HELD FUNDS CASHOUT TRANSFER-1TRANSACTION_BANKING
    219686DISBURSEMENT CASH OUT-1GLOBAL
    219689REPAYMENT CASH OUT-1GLOBAL
    219692DISBURSEMENT CASH IN1GLOBAL
    219698REPAYMENT CASH IN1GLOBAL
    219734INTEREST ON REVOLVING CREDIT-1GLOBAL
    219737LATE PAYMENT INTEREST-1GLOBAL
    219740LATE FEE-1GLOBAL
    219743TAXES-1GLOBAL
    219746OVERLIMIT FEE-1GLOBAL
    219749DEBIT EXCHANGE DIFFERENCE-1GLOBAL
    219752CREDIT EXCHANGE DIFFERENCE1GLOBAL
    219755ANNUITY-1GLOBAL
    219794PIX SAQUE-1BRAZIL
    PIX
    219797RECEBIMENTO PIX SAQUE1BRAZIL
    PIX
    219800PIX TROCO-1BRAZIL
    PIX
    219803RECEBIMENTO PIX TROCO1BRAZIL
    PIX
    220035CASHIN TRANSFER1GLOBAL
    220037CASHOUT TRANSFER-1GLOBAL
    220039CREDIT ADJUSTMENT1GLOBAL
    220040DEBIT ADJUSTMENT-1GLOBAL
    220054CHECK CASHIN TRANSFER1TRANSACTION_BANKING
    220056CHECK HOLD FUNDS1TRANSACTION_BANKING
    220058CHECK RELEASE FUNDS1TRANSACTION_BANKING
    220060CHECK CASHIN FUTURE FUNDS1TRANSACTION_BANKING
    220062CHECK RELEASE FUTURE FUNDS1TRANSACTION_BANKING
    283300CASH IN WPAY1GLOBAL
    NETWORK
    320200DEBIT UPI RUPAY-1INDIA
    UPI
    320203CREDIT UPI RUPAY1INDIA
    UPI
    903002UTILITIES PAYMENT-1GLOBAL
    997350REFINANCING INTEREST REFUND1GLOBAL
    997351OVERDUE INTEREST REFUND1GLOBAL
    997352IOF REFUND1BRAZIL
    PSM005INTERNATIONAL AFT-1GLOBAL
    NETWORK
    PSM007INTERNATIONAL OCT1GLOBAL
    NETWORK
    PSM012EMI UPI RUPAY-1INDIA
    UPI
    PSM014FORECLOSE EMI UPI RUPAY1INDIA
    UPI
    PSM016AMOUNT BLOCKED-1GLOBAL
    PSM018INSTALLMENT WITHDRAWAL TECBAN-1BRAZIL
    NETWORK
    TECBAN
    PSM021Pix Automatic Refund-1BRAZIL
    PIX
    PSM024Payment Pix by Approximation-1BRAZIL
    PIX
    PSM027Receipt Pix by Approximation1BRAZIL
    PIX
    PSM030SCHEDULED PIX PAYMENT-1BRAZIL
    PIX
    PSM033AUTOMATIC PIX PAYMENT-1BRAZIL
    PIX
    PSM036AUTOMATIC PIX RECEIPT1BRAZIL
    PIX
    PSM039CASHBACK1ELO
    GLOBAL
    PSM041FUTURE DATED CASHIN TRANSFER1TRANSACTION_BANKING
    PSM043FUTURE DATED CASHOUT TRANSFER-1TRANSACTION_BANKING
    PSM045RESTRICT FUNDS-1TRANSACTION_BANKING
    PSM047RELEASE RESTRICTION1TRANSACTION_BANKING
    PSM049RESTRICTED FUNDS CASHOUT TRANSFER-1TRANSACTION_BANKING
    PSM051FPS Payment-1FPS
    PSM054FPS Receipt1FPS
    PSM057FPS Transfer In1FPS
    PSM060FPS Transfer Out-1FPS
Standard reversal authorization processing codes

KEY:

PC - Processing code

BI - Balance impact (1=credt, 0=no impact, -1=debit)

RAPC—Related authorization PCs


PCDescriptionBIRAPC
0001REFUND PURCHASE100
000515PARTIAL CANCELLATION1Default Partial Reversal Processing Code is associated to a list of Processing Code when they don't have a specific Reversal.
003101INTERNATIONAL PURCHASE REVERSAL1003100
003201REVERSAL INSTALLMENT PLAN1003200
003301REVERSAL CASH OUT WPAY1003300
003401REVERSAL PLAN GOBIERNO/PLAN AHORA 121003300
003411REVERSAL CC-MERCHANT INSTALLMENTS - CUOTA A CUOTA1003410
003421REVERSAL ACCELERATED PLANS (AC/AN)1003420
003501REVERSAL SERVICIOS DIGITALES INTERNACIONALES1003500
003601REVERSAL SERVICIOS DIGITALES NACIONALES1003600
003801INSTALLMENT WITHOUT INTEREST REVERSAL1003800
003811REVERSAL INSTALLMENTS WITH INTEREST1003810
004995CAN CREDIT BY INSTALLMENTS-1004990
004996CAN REFINANCING AGREEMENT-1004991
004997CANC CREDIT COMPULSORY INSTALLMENT-1004992
005095CANC REFINANCING INSTALLMENT1005091
005096CANC AGREEMENT INSTALLMENT1005092
005097CANC COMPULSORY INSTALLMENT1005093
005200ESTORNO DO PAGAMENTO DE CONTA CONSUMO1005100
005300CANC DO ESTORNO DO PAGAMENTO DE CONTA CONSUMO-1005200
006200ESTORNO DO PAGAMENTO DE BOLETO BANCARIO1006100
006300CANC DO ESTORNO DO PAGAMENTO DE BOLETO BANCARIO-1006200
007001DEBIT REVERSAL1007000
007201CREDIT REVERSAL-1007200
007401REVERSAL TED CASH IN-1007400
007701TRANSFER REVERSION ZERO DEBIT0007700
008801REVERSAL PIX ON-US-1008800
008901REVERSAL PIX INSTALLMENTS ON-US1008900
009001REVERSAL PURCHASE ON-US1009000
009898REVERSAL INTEREST RATE CREDIT-1009797
009901REVERSAL INSTALLMENTS WITHOUT INTEREST ON-US1009900
009999CANCELLATION REV INTEREST RATE CREDIT1009898
010001REVERSAO DE SPB DEBITO1010000
0101REVERSE NATIONAL WITHDRAWAL101
010201REVERSAO DE SPB CREDITO-1010200
013101REVERSAL INTERNATIONAL WITHDRAWAL1013100
013201REVERSAL WITHDRAWAL TECBAN1013200
0201REVERSE DEBIT ADJUSTMENT102
022001REVERSAL DEBIT VOUCHER1022000
0401REVERSAL INQUIRY AND SIMULATION004
0901REVERSAL PURCHASE WITH CASH BACK109
1101REVERSAL PURCHASE QUASI-CASH111
110301CANCEL DEBIT CHECKING ACCOUNT1110300
110304CANCEL CREDIT CHECKING ACCOUNT-1110303
110401CANCEL CREDIT SAVING ACCOUNT-1110400
110404CANCEL DEBIT SAVING ACCOUNT1110403
1401REVERSAL RECURRING PAYMENT114
1501REVERSAL INSTALLMENTS FOR GOODS AND SERVICES115
1701REVERSAL CASH DISBURSEMENT117
1801REVERSAL UNIQUE TRANSACTION/SCRIP ISSUE118
203101REVERSAL PURCHASE RETURN INTER / CREDIT VOUCHER-1203100
203301REVERSAL REFUND WPAY-1203300
2101REVERSAL DEPOSIT-121
218820ESTORNO - PAGAMENTO PIX1218819
218821CANC - ESTORNO PAGAMENTO PIX-1218820
218823ESTORNO - RECEBIMENTO PIX-1218822
218824CANC - ESTORNO RECEBIMENTO PIX1218823
218826ESTORNO PAGAMENTO PIX PJ1218825
218827CANC ESTORNO PAGAMENTO PIX PJ-1218826
219249HOLD FUNDS CANCEL1219248
219252RELEASE FUNDS CANCEL-1219251
219259UNDO HELD FUNDS CASHOUT TRANSFER1219258
219687CAN DISBURSEMENT CASH OUT1219686
219688EST CAN DISBURSEMENT CASH OUT-1219687
219690CAN REPAYMENT CASH OUT1219689
219691EST CAN REPAYMENT CASH OUT-1219690
219693CAN DISBURSEMENT CASH IN-1219692
219694EST CAN DISBURSEMENT CASH IN1219693
219699CAN REPAYMENT CASH IN-1219698
219700EST CAN REPAYMENT CASH IN1219699
219735CAN INTEREST ON REVOLVING CREDIT1219734
219736UNDO CANC INTEREST ON REVOLVING CREDIT-1219735
219738CAN LATE PAYMENT INTEREST1219737
219739UNDO CANC LATE PAYMENT INTEREST-1219738
219741CAN LATE FEE1219740
219742UNDO CANC LATE FEE-1219741
219744CAN TAXES1219743
219745UNDO CANC TAXES-1219744
219747CAN OVERLIMIT FEE1219746
219748UNDO CANC OVERLIMIT FEE-1219747
219750CAN DEBIT EXCHANGE DIFFERENCE1219749
219751UNDO CANC DEBIT EXCHANGE DIFFERENCE-1219750
219753CAN CREDIT EXCHANGE DIFFERENCE-1219752
219754UNDO CANC CREDIT EXCHANGE DIFFERENCE1219753
219756CAN ANNUITY1219755
219757UNDO CAN ANNUITY-1219756
219795ESTORNO - PIX SAQUE1219794
219796CANC - ESTORNO PIX SAQUE-1219795
219798ESTORNO RECEBIMENTO PIX SAQUE-1219797
219799CANC ESTORNO RECEB PIX SAQUE1219798
219801ESTORNO - PIX TROCO1219800
219802CANC - ESTORNO PIX TROCO-1219801
219804ESTORNO RECEBIMENTO PIX TROCO-1219803
219805CANC ESTORNO RECEB PIX TROCO1219804
220036UNDO CASHIN TRANSFER-1220035
220038UNDO CASHOUT TRANSFER1220037
220055UNDO CHECK CASHIN TRANSFER-1220054
220057UNDO CHECK HOLD FUNDS-1220056
220059UNDO CHECK RELEASE FUNDS-1220058
220061UNDO CHECK CASHIN FUTURE FUNDS-1220060
220063UNDO CHECK RELEASE FUTURE FUNDS-1220062
2201REVERSAL CREDIT ADJUSTMENT-122
2301REVERSAL CHECK DEPOSIT GUARANTEE-123
2401REVERSAL CHECK DEPOSIT-124
2801REVERSAL PAYMENT TRANSACTION/MONEY LOAD-128
283301REVERSAL CASH IN WPAY-1283300
2901REVERSAL MONEY LOAD BY ACCOUNT OR CARD-129
3001REVERSAL BALANCE INQUIRY030
3101REVERSAL BALANCE INQUIRY031
320201REVERSAL - DEBIT UPI RUPAY1320200
320202CANC - REVERSAL DEBIT UPI RUPAY-1320201
320204REVERSAL - CREDIT UPI RUPAY-1320203
320205CANC - REVERSAL CREDIT UPI RUPAY1320204
3901REVERSAL ELIGIBILITY INQUIRY-139
4001REVERSAL ACCOUNT TRANSFER140
5001REVERSAL BILL PAYMENT150
5301REVERSAL RECEIPT OF FUNDS-153
7001REVERSAL PIN CHANGE070
7201REVERSAL PIN UNBLOCK072
904002UTILITIES PAYMENT REVERSAL1903002
9101REVERSAL PIN UNBLOCK091
9201REVERSAL PIN CHANGE092
9801REVERSAL PIN CHANGE098
9901REVERSAL PIN UNBLOCK099
PSM000CREDIT PARTIAL CANCELLATION-1Default Partial Reversal Processing Code is associated to a list of Processing Code when they don't have a specific Reversal.
PSM001NO IMPACT PARTIAL CANCELLATION0Default Partial Reversal Processing Code is associated to a list of Processing Code when they don't have a specific Reversal.
PSM002CREDIT CANCELLATION-1Default Reversal Processing Code is associated to a list of Processing Code when they don't have a specific Reversal.
PSM003NO IMPACT CANCELLATION0Default Reversal Processing Code is associated to a list of Processing Code when they don't have a specific Reversal.
PSM004DEBIT CANCELLATION1Default Reversal Processing Code is associated to a list of Processing Code when they don't have a specific Reversal.
PSM006REVERSAL INTERNATIONAL AFT1PSM005
PSM008REVERSAL INTERNATIONAL OCT-1PSM007
PSM009REVERSAL NATIONAL AFT110
PSM010PARTIAL REVERSAL NATIONAL AFT110
PSM011REVERSAL NATIONAL OCT-126
PSM013REVERSAL EMI UPI RUPAY1PSM012
PSM015REVERSAL FORECLOSE EMI UPI RUPAY-1PSM014
PSM017AMOUNT UNBLOCKED1PSM016
PSM019REV INSTALLMENT WITHDRAWAL TECBAN1PSM018
PSM020PARTIAL REV INSTALLMENT WITHDRAWAL TECBAN1PSM018
PSM022Cancellation of Pix Automatic Refund1PSM021
PSM023Reversal of Pix Automatic Refund Cancellation-1PSM022
PSM025Cancellation of Payment by Pix by Approximation1PSM024
PSM026Reversal of Payment by Pix by Approximation Cancellation-1PSM025
PSM028Cancellation of Receipt Pix by Approximation-1PSM027
PSM029Reversal of Receipt by Pix by Approximation Cancellation1PSM028
PSM031CANC SCHEDULED PIX PAYMENT1PSM030
PSM032REVERSAL OF SCHED PIX PAYMENT CANCEL-1PSM031
PSM034CANC AUTO PIX PAYMENT1PSM033
PSM035REVERSAL OF AUTO PIX PAYMENT CANCEL-1PSM034
PSM037CANCEL AUTO PIX RECEIPT-1PSM036
PSM038REVERSAL OF AUTO PIX RECEIPT CANCEL1PSM037
PSM040CASHBACK REVERSAL-1PSM039
PSM042UNDO FUTURE DATED CASHIN TRANSFER-1PSM041
PSM044UNDO FUTURE DATED CASHOUT TRANSFER1PSM043
PSM046RESTRICT FUNDS CANCEL1PSM045
PSM048RELEASE RESTRICTION CANCEL-1PSM047
PSM050RESTRICTED FUNDS CASHOUT TRANSFER CANCEL1PSM049
PSM052FPS Payment Rev1PSM051
PSM053FPS Payment Rev Canc-1PSM052
PSM055FPS Receipt Rev-1PSM054
PSM056FPS Receipt Rev Canc1PSM055
PSM058FPS Transfer In Rev-1PSM057
PSM059FPS Transfer In Rev Canc1PSM058
PSM061FPS Transfer Out Rev1PSM060
PSM062FPS Transfer Out Rev Canc-1PSM061

Custom processing codes

You can configure your own custom processing code with the Create processing code endpoint. For a custom processing code, you must configure its reversal and partial reversal processing codes, and all required configurations.

For transactions, once a custom processing code is created, it needs to be mapped to a transaction type to create a transaction flow. Refer to Payments configurations for more information. This guide has a tutorial on creating your own transaction flows.

A custom processing code is created with a PENDINGstatus . Initially, its use is not allowed in authorizations. Once the transaction flow for a custom processing code is completely configured, its status changes to SUCCESSand it is ready for use. All standard processing codes have a SUCCESS status.

📘

New authorization system

Life cycle (status) will take effect on the platform after the platform's authorization system is migrated to use the new processing code domain. All current processing codes created before the migration of the processing code database on January 2, 2025 remains ready for usage. New processing codes created after this date should follow the flow to have its status updated to SUCCESS. Denial of requests with processing codes with status PENDING will take effect later and will be announced by the authorization teams.

Default reversal processing codes

Every AUTHORIZATION processing code is required to have a reversal and a partial reversal processing code. When creating a new processing code , customers must specify the reversal processing code. Partial reversal code is optional but, if not present, a default value is assigned based on the balance Impact.

There is currently no established standard for implementing a “cancel a cancellation”—this approach introduces unnecessary complexity and risk to transaction integrity. For this reason, we strongly advise against configuring or relying on such functionality. Instead, the recommended best practice is to treat the initial cancellation as final. If a reversal is required, the client should initiate a new authorization rather than attempting to cancel the cancellation. This ensures consistency, reduces operational overhead, and aligns with expected platform behavior.

Default partial reversal processing codes

Processing codeDescriptionBalance impactLink
000515PARTIAL CANCELLATION1Linked to PC with balance impact = -1.
PSM000CREDIT PARTIAL CANCELLATION-1Linked to PC with balance impact = 0.
PSM001NO IMPACT PARTIAL CANCELLATION0Linked to PC with balance impact = 1.

Pismo also defines generic reversal processing codes available to customers to use as standard processing codes. Those ones can be linked to a processing code when the customer doesn’t want to create or use a specific reversal processing code for the one being created. Since the endpoint requires the reversal one, the request must contain one of them so that the correct link is made. Below we show the list of standard processing codes for reversals:

Default reversal processing codes

Processing codeDescriptionBalance impactLink
PSM002CREDIT CANCELLATION-1Linked to PC with balance impact = 1
PSM003NO IMPACT CANCELLATION0Linked to PC with balance impact = 0
PSM004DEBIT CANCELLATION1Linked to PC with balance impact = -1

Changing processing codes during authorization with rule models

You can use rule models to change a card network processing code during authorization. For example, you may want to use a custom processing code if the merchant is Apple. Rule models are created for an organization and can be applied to an organization, program, or account. The Pismo platform has a Rule model API you can use to implement this feature.

Sample payload to create rule model:

This rule model assigns the custom processing code MYPC03 to the authorization if the merchant is Apple and it's a domestic transaction. If it's an international transaction, then 003100 is assigned as the processing code.

Updated 5 months ago

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